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Home Insurance Myths That Could Cost You

Homeowner’s insurance in Mountain View is a no brainer for many individuals, but even as a no brainer it should be considered carefully. There are a few popular myths and misconceptions about home insurance that tend to prevail despite being debunked. To set the record straight, here is the truth behind some common home insurance myths that could end up costing you in the long run.

Myth: Home Insurance Covers Valuables and Water Damage

It is absolutely crucial that you understand exactly what your home insurance covers. Failing to do so may lead to very unpleasant surprises in the future. Keep in mind that flood insurance is a separate entity from home insurance, and the latter does not cover flood or water-related damages. Additionally, standard home insurance only covers you up to a certain limit. If you have expensive items such as jewelry, you may want to consider purchasing an additional coverage plan for these valuables.

Myth: If I Am Injured on My Property, I Am Covered

Home insurance plans typically include a medical element that provides insurance coverage in the event that someone who does not live with you is injured on your property. However, you and your family members, as well as any other residents of your household, will not be medically covered if injured on your own property. It is important to remember the distinctions between medical insurance and homeowner’s insurance.

I Should File a Claim Instead of Estimating Costs

Whether or not you should file a claim may depend on a few factors. Keep in mind that multiple filed claims can raise your premium, but one claim will probably not have an effect. Compare the estimated cost of repairs to the cost of your deductible when deciding whether or not you should file a claim.

If you have any questions about home insurance myths, please call Damberger’s Insurance at (650) 969-8445. We are happy to provide the Mountain View, California area with auto, motorcycle, and renter’s insurance. Visit our website or stop in and see us to learn more about the insurance policies we provide.

How Vineyard Insurance Can Protect Your Investment

Whether your vineyard is for personal or commercial use, it represents a major investment, and like any investment, taking steps to protect it is important. You rely on insurance to protect your home and car, so why not your vineyard? Vineyard insurance can make sure that the time and money you spend on managing your vineyard doesn’t go to waste.

Vineyard insurance can be structured to meet your needs. You can choose an insurance policy that covers against theft or a more extensive policy that protect your crops, the computer equipment you use to run your vineyard, and even the cars you use to conduct business for your vineyard. Insurance can help you mitigate the financial fallout from a damaged crop and the impact on your business.

To get the right insurance policy for your vineyard, call Damberger’s Insurance Agency for help. Our Mountain View insurance agents can evaluate your needs and recommend the right level of coverage. Find out how we can help you by calling (650) 318-6291.

The Ins and Outs of Car Insurance

How well do you understand your auto insurance policy? Too many people have auto insurance but don’t really understand how their policies work when it comes time to use them. Before you go shopping for auto insurance or make a claim on your policy, watch this video to learn more about insurance basics.

Your insurance policy has monthly premiums and a deductible. Your premium costs are paid monthly, quarterly, biannually, or annually and depend on a number of factors, including your driving history and credit. Your deductible is what you will pay you make a claim. Small deductible plans usually have higher premium costs.

For help finding an auto insurance policy, call Damberger’s Insurance Agency. Let our Mountain View agency help with all of your insurance needs. Start the process of finding a policy today by calling (650) 318-6291.

Don't Let These Flood Insurance Myths Leave You Under Water

If your home is damaged by a flood, are you covered? Many people let myths about flood insurance interfere with their decisions about coverage and only find out that they were wrong when it is too late. Don’t let flood insurance myths lead you to a financial disaster. Here is the truth behind some common myths.

Myth: Homeowner’s Insurance Covers Flood Damage

This flood insurance myth is one that catches many homeowner’s off guard. If you have a homeowner’s insurance policy, that does not necessarily mean that you are covered for flood damage. In fact, the vast majority of homeowner’s policies do not offer any flood protection at all. Review your policy to see what flood protection you have – you may be surprised to learn that you don’t have any coverage at all.

Myth: You Don’t Need Flood Insurance

Flood insurance isn’t just for people who live near the water. Although your risk of a flood may be less if you don’t live in a designated flood zone, it still exists. Regardless of proximity to water, any home can be damaged by flash flooding from a passing storm. Even a small amount of water damage can cost tens of thousands of dollars to repair, so flood insurance is an important part of protecting yourself from a financial crisis after a disaster.

Myth: Flood Insurance Is Too Expensive

Like all insurance, the cost of flood insurance is dependent on your risk. Prices may be higher near the coast, but most people can buy flood insurance for a small cost. When you compare the cost of flood insurance the potential cost of flood damage, paying for flood insurance seems even more affordable.

Do you have the proper amount of insurance to protect your property? Let the agents at Damberger’s Insurance in Mountain View help you understand your insurance needs and find the right policies at the right prices. Learn more by calling us today at (650) 318-6291.

Earthquake Insurance 101

What would happen to your home and possessions if they were damaged by an earthquake? If you think that your homeowner’s insurance policy will protect you, think again. Earthquake damage is not covered under homeowner’s policies, which means you could be facing significant financial disruption should a quake occur. Don’t wait until an earthquake happens to learn about insurance coverage. Here’s what you need to know.

Every Home Is at Risk of Quake Damage

In California, earthquakes are a part of life, and all homeowners should consider buying earthquake policies. However, earthquakes can happen anywhere, and no homeowner should discount the possibility that they could face damage caused by a quake. Earthquake insurance can be a good investment for all homeowners.

Deductibles Are Based on Your Policy Limit

With most insurance policies, your deductible is a pre-set amount that you must pay before your insurance kicks in. For instance, with auto insurance, if you have a $500 deductible and make a claim, you pay $500 and your insurance covers any remaining cost for your repair or for replacing your car. Earthquake insurance works differently. Your deductible is set as a percentage of your overall homeowner’s insurance policy coverage. If your house is insured for $250,000, for instance, than your earthquake insurance deductible may be 20 percent of $250,000.

There Are Coverage Exclusions

All homeowner’s insurance policies have coverage exclusives, but earthquake policies typically exclude more things. Most earthquake policies don’t cover damage to structures that are separate from your home, like garages, or to landscaping and outdoor fencing. Chandeliers, crystal, and, china may also be excluded from earthquake coverage.

Earthquakes are a significant risk in California, so let Damberger’s Insurance Agency in Mountain View help you find the right policy for your needs. Our agents will work to find out the best price on all of your policies, from earthquake coverage to auto insurance. Call us today at (650) 318-6291.

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