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Should You Purchase Earthquake Insurance?

Depending on the geographic location in which you live, you may have experienced an earthquake in your lifetime. Unfortunately, damage sustained due to earthquakes is not typically covered in a homeowner’s insurance policy.

Earthquakes tend to occur in specific regions, and California is one of them. Although certain areas are more susceptible, however, earthquakes can happen anywhere. If you are aware that you live in an area that is at an elevated risk for earthquakes, it may be a good idea to purchase the extra insurance policy. Keep in mind that disaster insurance tends to be very specific; you may want to purchase flood insurance as well in case an earthquake causes a flood that damages your property.

Are you considering purchasing earthquake insurance? Call Damberger’s Insurance of Mountain View, CA at (650) 969-8445. We are proud to provide motorcycle, homeowner’s, and teen auto insurance in addition to earthquake insurance. You can find out more about our services by visiting our website or stopping in to meet with us today.

How to Get the Best Rates on Auto Insurance for Your Teen

The confidence and comfort behind the wheel that veteran drivers enjoy comes as a result of years of practice and adjustments. Unfortunately, there is no fast track to becoming an experienced driver. There are still methods you can employ to acquire decent teen auto insurance in Mountain View, CA. Watch this video to find out how to get the best rates on auto insurance for your teen.

Your new teen driver should focus on keeping up the grades and building confidence behind the wheel. With no real track record to consider, grades are what insurance companies look at to judge a teen’s responsibility.

Damberger’s Insurance specializes in auto, flood, and RV insurance in the Mountain View, CA area. If you are looking for auto insurance for yourself or your teen, please call us at (650) 969-8445 to speak with one of our courteous insurance representatives.

Understanding Watercraft Insurance

Protecting your boat can be just as important as protecting your car, RV, or motorcycle, and you can do so by investing in watercraft insurance in Mountain View, CA. The right policy can keep your watercraft protected, but it is important to understand exactly how it works. Keep reading if you would like some assistance in understanding watercraft insurance to choose the best policy for your needs.

Necessity

While some people mistakenly believe that their homeowner’s insurance will cover their watercraft as well, this is not typically the case. Your home insurance policy may cover you if you have a particularly small boat, but the majority of watercraft owners recognize the importance of taking out a separate insurance policy for their canoes, boats, and yachts. Fortunately you can save yourself some money by bundling your watercraft insurance with other types of insurance such as automobile or homeowner’s insurance.

Characteristics

Although watercraft insurance is different from automobile insurance and homeowner’s insurance, it does share a few of the same qualities as both. If you were to damage another boat or a dock with your own watercraft, your insurance policy will likely cover you. You will also typically be covered for any damage to your own boat as well as any bodily harm done to other individuals. And like auto insurance, watercraft insurance can come with comprehensive coverage if you would like to protect your belonging from vandalism and theft.

Areas of Coverage

It is important to know exactly where you can roam while still being covered by your watercraft insurance. Specific areas and territories may be excluded from your coverage due to increased risk or political factors, so speak with your insurance company about specific coverage areas and policy limits.

For more information about watercraft insurance contact Damberger’s Insurance or visit our website. Our company specializes in various types of insurance including disaster, motorcycle, and RV insurance in the Mountain View, CA area. Please feel free to give us a call at (650) 969-8445 if you would like to learn more about our company or our affordable insurance policies.

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.

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