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    Examining the Benefits of Homeowner's Insurance

    Last updated 20 hours ago

    There are many benefits to having homeowner’s insurance, but what some people do not know is that this extends beyond the walls of the home. Homeowner’s insurance can actually protect you in a variety of different situations, and may end up saving you thousands of dollars in the event of an accident or disaster. Keep reading to examine the benefits of homeowner’s insurance.

    Personal Liability Coverage

    Accidents happen, so it is a good idea to keep your insurance agent’s phone number on you at all times. If you accidentally cause any damage to a person and/or his property, your homeowner’s insurance may have you covered. Depending on your policy you may be covered for the property that you damage, the medical bills of a person you injured, and even legal defense in the event of an ensuing lawsuit.

    Lost Luggage Coverage

    Traveling can sometimes be inherently stressful, but this is always made worse if your luggage goes missing. However, stolen or lost luggage presents another situation where homeowner’s insurance can provide coverage outside of the home. Although there will typically be limitations and a deductible, you may be reimbursed for your lost possessions. In most cases your insurance agency will ask you to submit a list of the belongings that have gone missing with your luggage.

    Theft Coverage

    If you are out shopping and you have bags stolen out of your automobile, you may be inclined to view this as an auto insurance case. However, just because something is stolen from your car does not make it relevant to your auto insurance. In this case, homeowner’s insurance may cover your losses. This is subject to limitations and you can only make one claim, but it is a small annual fee with no deductibles. This is yet another benefit of having homeowner’s insurance.

    For more information about the benefits of having a comprehensive homeowner’s insurance policy, contact the professionals at Damberger’s Insurance Agency. We are proud to provide the Mountain View area with auto and homeowner’s insurance policies. If you would like to know more about what we can do for you, please visit our website or call us at (866) 982-9181 today to speak with one of our experienced insurance agents about our homeowner’s coverage options. 

    The Steps of Filing an Auto Insurance Claim

    Last updated 12 days ago

    If you find yourself in an automobile accident, you will need to file an auto insurance claim in order to receive compensation from your insurance company. It helps to know what information you will need to provide your insurance company with in order to resolve your claim efficiently. Read on to familiarize yourself with the steps of filing an auto insurance claim.

    Contact Your Insurance Company

    The first step of filing an auto insurance claim is to contact your insurance agent. You will need to provide your agent with your full name as well as your policy number. Your insurance agent will then ask you to describe what happened. Be sure to document the proper information of all parties involved in the accident including phone numbers, addresses, full names, license plate numbers, and driver’s license numbers.

    Evaluate Damage

    After providing your insurance agent with the proper information, you will meet with your claims professional and discuss the accident. Your claims professional will then provide a professional evaluation. This may involve the examination of injuries sustained by any party as well as the inspection of your vehicle. In some cases you may have to sign a statement regarding the events that transpired during the accident.

    Receive Compensation

    The final step in filing an auto insurance claim is receiving the compensation that you deserve as judged by the insurance company. The amount of money that is distributed will depend on the extent of damage to the vehicles involved in the accident as well as the people. The compensation will also depend on the type of coverage you have.

    If you would like to learn more about the steps involved in filing an auto insurance claim, call Damberger’s Insurance Agency at (866) 982-9181. We are a Mountain View insurance company that works with homeowners and automobile drivers. For more information about our competitive and comprehensive auto insurance policies, call us today or visit our website.

    Spotlight on SR-22s

    Last updated 18 days ago

    Not everyone is required to fill out an SR-22 form; however, it is relatively inexpensive and easy to obtain. An SR-22 is used to prove financial responsibility and it is mandatory for those who do not have car insurance. If you are involved in an automobile collision or a traffic offense and you are unable to show financial responsibility, you will need to acquire an SR-22 form from an insurance provider. Other individuals who may need this form include people with suspended driver’s licenses, those who are convicted of a DUI or a DWI, and people who repeatedly commit traffic offenses during a short timeframe. In order to obtain an SR-22 you must contact your car insurance provider; in most areas, it must be maintained for three years.

    If you would like to know more about SR-22s or automobile insurance, call Damberger’s Insurance Agency at (866) 982-9181. We offer various types of insurance in the Mountain View area, including comprehensive auto and motorcycle insurance policies. Visit our website to find out more about what we can do for you today.

    Find Out How to Reduce the Risk of Fire in Your Home

    Last updated 25 days ago

    While fire is useful and necessary for many types of equipment, it can have tragic consequences when misused. Approximately 16,000 Americans are killed each year because of fire-related accidents. Watch this video to find out how to reduce the risk of fire in your home.

    Many fire-related incidents occur while cooking. When you use a gas-powered stove, refrain from wearing loose clothing and make sure you keep flammable materials away from sources of heat. You can help to avoid accidents by keeping children at least three feet away when cooking. Utilize smoke alarms inside and outside as well as on every level of the house. Test them monthly and change them every other year.

    Damberger’s Insurance Agency is proud to serve the Mountain View area with homeowner, automobile, and motorcycle insurance. If you would like to know more about our comprehensive and competitive insurance policies, please do not hesitate to call us at (866) 982-9181. If you live in the Mountain View area, stop by or visit our website today

    What Is Typically Covered in a Homeowner's Insurance Liability Policy?

    Last updated 1 month ago

    For those who are not familiar with different types of insurance policies, it can be hard to make an informed decision for yourself or your family. It helps to do some research before choosing a policy so that you know if it meets all of your needs. Here is a look at what is typically covered in a homeowner’s insurance liability policy.

    Personal Liability

    If you are at fault for damage that occurs to someone else’s property or person, your homeowner’s insurance liability policy may offer protection. This protection may also extend to family members who live in your home and the damage that they might cause to another person or someone else’s property. Your homeowner’s insurance liability policy may protect you when injury or damage occurs on or off of your property. Your policy can even pay for your legal costs when you defend against a covered claim.

    Medical Payments

    A homeowner’s insurance liability policy can protect you from the financial repercussions when a person is accidentally injured while on your property. The insurance will pay for medical expenses whether the accident was your fault, the injured person’s fault, or a third party’s fault. In the event that someone does become injured while on your property, a homeowner’s insurance liability policy can help you avoid paying extensive medical fees after serious injuries. Additionally, your insurance policy may offer a minimum of coverage per accident, rather than a lump sum.

    Limitations and Minimums

    Each accident that occurs on your property or due to the actions of someone who lives in your household typically offers $100,000 or more in coverage. Your homeowner’s insurance liability policy may provide additional coverage; if it doesn’t, you can increase your coverage limit. This coverage does not protect you when damage or injury is intentional or related to business.

    If you would like to know more about what is typically covered in a homeowner’s insurance liability policy, call Damberger’s Insurance Agency at (866) 982-9181. We are a Mountain View based insurance agency that specializes in motorcycle, automobile, and homeowner’s insurance. For more information about our insurance policies and competitive rates, please visit our website or stop by and see us today. 

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