Last updated 10 days ago
Homeowners insurance is a necessary expense, but it doesn’t have to be a significant one. No insurance policy should unduly stress your financial resources. To keep your insurance costs down, consider the following tips. For additional suggestions on how to manage your insurance policy expenses, consult your local insurance agent at Damberger’s Insurance Agency.
Install Protective Measures
The average home insurance policy typically covers damage due to fire and vandalism. However, if your house is more susceptible to harm from either of these dangers, it could translate into higher homeowners insurance policy rates. To lower your premium fees, take steps to safeguard your home. Installing fire alarms in your house is one easy way to potentially lower your policy costs. You can also add a security system, which may further reduce your premium expenses.
Update Your Home
If a strong thunderstorm suddenly swept through your neighborhood, how well would your house withstand it? If it has been a few years, or even decades, since you updated your home’s exterior, now might be the time to do so. Many insurance companies look favorably on home renovations that bolster the integrity of the home’s structure. New siding and roofing may both qualify for policy discounts.
Streamline Your Policies
If you have done all that you can to lower your homeowners insurance policy, consider your other insurance needs. Do you own a vehicle? Then you must have auto insurance. Do you own a boat? If so, you should have watercraft coverage as well. If you have already attained these insurance policies through other companies, you may be paying far more for each policy than you would if you purchased them through the same insurance agent. Discounts for having multiple policies are common among insurance companies. By streamlining your insurance needs through the same insurance agent, you can cut costs on all your policies.
Do you need more affordable homeowners insurance? Call Damberger’s Insurance Agency in Mountain View at (888) 716-6936 to speak with a representative about our policy options and low rates. You can also visit our website for additional information on our full range of insurance services.
Last updated 18 days ago
Getting a fair auto insurance policy is easy when you know the right questions to ask. First, schedule an appointment with your local insurance agent so that you can discuss in person all pertinent questions and concerns. Secondly, explain your needs and preferences. For instance, all car owners in California must have auto insurance; however, every driver may not necessarily need all the coverage options that their insurance agents offer. If you have an older vehicle, you may want to ask your insurance agent about your need for comprehensive and collision coverage. To prepare for a potential accident, you should also inquire about your deductible. Some insurance agents provide credit incentives for customers who purchase multiple policies, so be sure to ask about the advantages of buying homeowners insurance or renters insurance through the same company.
Let Damberger’s Insurance Agency help you find the best auto insurance rates for your coverage needs. Call our Mountain View office today at (888) 716-6936 to set up an appointment. Our team of insurance agents is waiting to hear from you!
Last updated 25 days ago
Homeowners insurance is a type of coverage that you hope you never need. However, in the event that your home suffers a natural disaster, break-in, or other calamity, you want to make sure that your insurance policy can take care of you and your family. That’s why insurance agents urge their customers to carefully evaluate their policies to ensure that they do not inadvertently make any of the following mistakes:
Not Knowing Your Deductible Costs
No matter the circumstances that led to damage to your home, you likely must pay a deductible before your insurance company will cover the rest of your expenses. This deductible cost is crucial, as it may extend far beyond your estimation. In some cases, homeowners insurance policies have different deductible fees depending on whether damage was caused by fire, burglary, or another catastrophe. Be sure to ask your insurance agent about the deductible costs for all circumstances for which you may need coverage.
Overlooking Non-Covered Events
Buying homeowners insurance does not mean that you have comprehensive coverage for all possible circumstances. Though many policies do contain built-in coverage for theft or fire, they rarely include the same protection for damage caused by an earthquake, flood, or mold. If your house suffers harm due to one of the aforementioned causes and you do not have coverage for it, you may be entirely responsible for the significant costs required to address the problem.
Not Buying Enough Insurance
Wanting an affordable homeowners insurance premium is understandable, but make sure this desire doesn’t overshadow your need for adequate coverage. It will only harm you, your family, and your house in the long run if you purchase a policy that does not fully cover the value of your home. To ensure that your homeowners insurance could cover the cost of replacing lost possessions or even paying for new or temporary housing, be diligent in reporting its true worth.
Damberger’s Insurance Agency strives to provide affordable homeowners insurance for residents in the greater Mountain View community. If you need homeowners insurance, or you would like to change your current policy, we can help. To speak with a local insurance agent, call (888) 716-6936.
Last updated 1 month ago
Homeowners insurance is necessary to safeguard your most valuable possession: your house. This video discusses what factors to keep in mind when purchasing an insurance policy.
When calculating the amount of homeowners insurance that you may need, consider the value of the house itself and its contents. Homeowners should note, however, that many insurance companies do not reimburse for the market value of the house. Rather, you must calculate its worth according to each square foot. To provide proof of possessions lost in a fire or during a burglary, take photographs or videotape of your furniture, electronics, and other notable items.
Damberger’s Insurance Agency offers homeowners insurance options for individuals in the greater Mountain View area. To get a quote, call us today at (888) 716-6936.