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A Look at the Different Types of Auto Insurance

Even if you map your route precisely and give your vehicle a thorough safety check before hitting the road, there’s a lot that can go wrong when you get behind the wheel. That’s why it’s important to have a comprehensive auto insurance policy to protect you against all of risks you’ll encounter on the road. A comprehensive auto insurance policy is made up of different types of insurance, so speak with an auto insurance agent in Mountain View, CA to select the coverage that’s right for you. To help you get started, here’s a look at some the different types of auto insurance.

Vehicle Coverages

The first part of an auto insurance policy concerns the vehicle itself. There are various different types of auto insurance that cover damage to your vehicle, the most common of which is comprehensive collision insurance. Additional forms of coverage can be added to your auto insurance policy to provide you with extra financial protection. Extra types of vehicle coverage include gap insurance, rental reimbursement coverage, and emergency road service coverage.

Medical Coverages

It’s important to protect your car, but it’s even more important to protect yourself and your passengers. Personal injury protection (PIP) insurance will help pay for your own medical costs after a car accident regardless of who was at fault. Bodily injury liability coverage and umbrella insurance can help pay for other’s medical bills, funeral costs, and miscellaneous expenses resulting from the accident.

If you’re looking for comprehensive and affordable auto insurance in Mountain View, contact Damberger’s Insurance Agency. Our independent insurance agents will find the best auto coverage to meet your needs. Contact us online or call us at (650) 419-8636 to request additional information about auto insurance or any of our other great insurance products, including homeowner’s insurance, renter’s insurance, and disaster insurance.

Factors to Consider When Choosing Insurance

Regardless of the type of insurance policy you’re looking for, it’s important that you choose the best coverage for your needs from a company you can trust to be there when you need help the most. By taking your time and working with an independent insurance broker in Mountain View, you can find the right policy to fit your specific needs. When buying insurance—whether its homeowner’s insurance, renter’s insurance, or auto insurance—keep these considerations in mind to help you make the best choice for you and your family.

Affordability

One of the major factors to consider when choosing insurance is the cost. When comparing insurance quotes, be sure to factor in the premium as well as your out-of-pocket costs for each policy. If you want to save time getting multiple quotes on your own, work with an independent insurance agent that works with several local and national insurers. An independent insurance agent might also be able to secure a better deal than you could on your own.

Coverage

Perhaps more important than how much the insurance policy costs is the actual coverage it provides. Take your time when comparing plans and go through each policy carefully to see exactly what’s covered and what’s excluded. Not only will this help you find the most comprehensive insurance policy, but it will also tip you off to any additional types of coverage you need to purchase separately to meet your specific needs. For example you may decide to purchase flood and/or fire insurance after going through different homeowner’s insurance policies and not seeing this type of coverage.

Choosing the right insurance policy is as easy as calling Damberger’s Insurance Agency. Our independent insurance brokers provide a more personal touch than other insurance companies in Mountain View, CA. We will tailor a policy specifically to protect your assets and give you peace of mind, all at a price you can actually afford. If you have questions about homeowner’s insurance, renter’s insurance, disaster insurance, auto insurance, or any other type of coverage, please call us at (650) 419-8636.

Types of Disaster Insurance

Although they don’t realize it, many homeowners don’t have adequate disaster insurance near Mountain View, CA. One of the most persistent homeowners’ insurance myths is that standard policies will cover all damage due to natural disasters. However, this is not the case.

Basic policies only cover structural damage to your home from fire, hail, lightning, and wind. Floods, including flash floods from rainstorms, groundwater swells, burst pipes, and backups in the sewer line, are not covered. You must purchase additional flood insurance to guard against these possibilities. Also, you need to purchase separate earthquake insurance. In the Bay Area this is especially important because the region is subject to a great deal of seismic activity.

If you are not satisfied with your current homeowners’ insurance, or if you believe you should have extra disaster insurance coverage beyond what your policy currently includes, contact Damberger’s Insurance today by calling (650) 419-8636. One of our agents will be happy to help you find a policy that will get you the coverage you need.

What Does Your Car Insurance Cover?

If you have only the minimum auto insurance coverage, you may not be protected if you become involved in a hit and run accident in Mountain View, CA. Auto insurance policies, like homeowner’s insurance policies, offer different levels and types of coverage.

If you have never examined your car insurance policy, you should do so to make sure that you are protected from all types of auto accidents. To learn more about car insurance coverage, watch this video.

Damberger’s Insurance provides Mountain View residents with comprehensive auto insurance policies. We can also put together an excellent homeowners’ insurance package for you, including earthquake, flood, and other disaster coverage. Call us today at (650) 419-8636 to speak with one of our agents.

How to Select Homeowners Insurance

When you buy a home, you also need to select homeowners insurance in Mountain View, CA. Real estate is a costly investment, and without insurance you could end up in financial trouble if something unexpectedly damages your home. There are many homeowner’s insurance myths and misconceptions, which can make selecting a policy somewhat confusing. Read on to learn how to select homeowner’s insurance.

Basic Coverage

The most basic homeowners' insurance policies include coverage for damage to the structure of your home, and limited coverage for your belongings inside your home. Should lightning, hail, fire, or wind cause damage, your insurance will pay up to the value of your policy to help fix it. You should make sure that your coverage is enough to pay for major repairs, so it should be more than half the value of your home. Also, make sure you policy includes coverage for structures like garages and decks that are not part of the house proper.

Liability Protection

You should select a policy that includes liability protection for you, your family, and your pets. Then, if your, your child, or your dog causes damage to anyone else’s property, you are covered. Liability insurance should cover the expense of hiring a lawyer, and the cash value of any settlement or award up to the value of protection. For optimal security, you should purchase coverage of at least $300,000.

Extra Disaster Insurance

Flood insurance and earthquake insurance are not included in standard homeowner’s insurance policies. These coverages must be purchased separately. In the Bay Area, earthquake insurance is of course necessary, but so is flood insurance. Even if you don’t live near water, sewer line backups, flash flooding from rainstorms, and burst pipes can damage your home.

The friendly, knowledgeable agents at Damberger’s Insurance can help you find the policy that’s right for you by debunking homeowner’s insurance myths and building a comprehensive package that includes the coverage you need for liability and disasters. Call (650) 419-8636 to speak with us today!

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