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Flood Insurance 101

Your homeowner’s insurance policy may not provide comprehensive coverage in the event that your home is damaged due to a flood. Most homeowners need to purchase umbrella insurance or an additional flood insurance policy to protect their home from damage. Before you begin looking into umbrella insurance or flood insurance policies, it’s important to understand your region’s flood risk.

If you live inside or just outside of a high-risk flood zone, it’s imperative that you purchase comprehensive flood insurance in addition to your homeowner’s insurance. You should also keep in mind that 20-25% of all flood insurance claims are filed by homeowners who live outside of a high-risk flood zone. If your home is in a high-risk zone and your mortgage lender is federally regulated, federal law requires that you purchase a flood insurance policy.

To learn more about whether you need flood insurance near Mountain View, CA, come see us at Damberger’s Insurance Agency. Our experienced insurance agents can help you determine which flood insurance or homeowner’s insurance policy is right for your needs. To speak with an insurance agent, call us today at 650-969-8445.

What Exactly Does Your Home Insurance Cover?

When you begin looking into homeowner’s insurance plans, it’s important to choose a plan that provides the appropriate amount of coverage for your needs. Most homeowner’s insurance policies cover fires, burglaries, vandalism, and damage due to a natural disaster. Here is a look at some of the other less common situations that your homeowner’s insurance policy should cover.

Dog Bites

If you own a dog, you should find out whether your homeowner’s insurance policy covers dog bites. Over half of the incidences of injuries via dog bites occurred on the dog owners’ properties. A common homeowner’s insurance myth is that fires and burglaries are the most common claims filed against homeowner’s insurance. In fact, dog bites are the most common liability claim filed against a homeowner’s insurance policy. Your insurance should cover the medical bills that result from a dog, cat, snake, or other domestic animal bit that occurs on your property.

Mold Remediation

Your homeowner’s insurance policy might cover mold remediation costs, depending upon the cause of the mold. If mold growth results from a burst pipe, your policy should cover remediation. If mold growth occurs due to neglect, your mold remediation costs won’t be covered. Mold that’s caused by flooding or a natural disaster will need to be covered by flood insurance. Check your policy to determine whether mold is covered, and what the cap is on damages.

Accidents Outside of Your Home

Most homeowner’s insurance policies cover accidents both on and off of your property. If you injure someone at the grocery store or on the golf course, your insurance coverage should take care of their medical bills. If you injure someone with your car, your auto insurance should cover it. You can also purchase umbrella insurance to further protect yourself from liability.

If you’re interested in homeowner’s or renter’s insurance near Mountain View, CA, come see us at Damberger’s Insurance Agency. We have been providing affordable, comprehensive insurance policies to the community for 51 years. To learn more about our homeowner’s insurance policies, call us today at (650) 969-8445.

Protect Your Home from Wind Damage

A common homeowner’s insurance myth is that homeowner’s insurance covers damage caused by natural disasters. In fact, you’ll probably need to purchase umbrella insurance or disaster insurance for protection from weather and severe storm damage.

Watch this video for information about protecting your home from wind damage. If you live in an area that regularly experiences tornadoes, earthquakes, hurricanes, flooding, or other extreme weather conditions, you will probably need disaster insurance.

At Damberger’s Insurance Agency, we provide earthquake insurance, flood insurance, and umbrella insurance near Mountain View, CA to protect you from the costs of damage to your home due to natural disasters. Our experienced insurance agents can help you bolster your homeowner’s insurance so that you have maximum protection. To learn more about our disaster insurance options, call us today at (650) 969-8445.

Tips for Reducing the Risk of Boating Accidents

You probably already know that homeowners insurance and auto insurance are essential. But if you own a boat, do you have watercraft insurance near Mountain View, CA? Without it, you are responsible for any damage to your boat or someone else’s.

Boating accidents are common throughout the year in California, as the water is almost always packed with boaters. Watercraft insurance is so important because some boaters are simply reckless. When you driving a boat, it is essential to keep both hands on the wheel at all times and keep a lookout for speeding or weaving watercraft.

If you need flood insurance or homeowners insurance, look no further than Damberger's Insurance Agency. Our agents have offered insurance at a competitive price to California residents for over 50 years. Whether you need homeowners insurance, auto insurance, or watercraft insurance, call us at (650) 969-8445 for the most affordable full coverage on the market.

Protecting Your Vineyard Investment

Almost everyone wants to protect their most important assets, which is why people purchase auto insurance and homeowners insurance in Mountain View, CA. If you own a personal or commercial vineyard, you know how devastating losing your precious property would be. Protect yourself with vineyard insurance.

Homeowners insurance myths include the idea that vineyard insurance simply comes with your homeowners insurance policy. But vineyard insurance is a separate policy. Vineyard insurance acts like flood insurance and fire insurance to protect your property in case of natural disaster. With the right insurance policy, you can also protect the crop itself, any vehicles used for vineyard business, and your company’s computer equipment.

For homeowners insurance and vineyard insurance, call the experts at Damberger's Insurance Agency. We will make sure your most prized possessions and properties are protected from theft or natural disaster. Find out more about our services by calling us at (650) 969-8445.

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