Home Insurance
It’s not just a house. It’s your home. It’s where your family lives. It holds your belongings, everything you’ve worked for. It’s also a key investment. What happens when the unexpected happens to that investment?
Whether you are buying your first home or your third home, you need insurance. Along with that insurance comes questions. How much is enough? What’s covered? What’s not covered? What about my condo? My rental properties? My home business? What happens if…?
We can answer those questions and show you the different options available to suit your insurance needs. We’ll help you find the best solution for your budget and your peace of mind. Send us an email or give us a call. We look forward to talking to you.
Umbrella Insurance
An umbrella insurance policy is also known as a personal excess liability policy. It provides liability coverage over and above the coverage provided under your basic homeowner’s, renter’s, automobile or watercraft insurance policies. Also commonly known as “second-tier” or “second-layer” insurance, umbrella coverage kicks in only after all other coverage has been exhausted. Though you may think this is more insurance than you need, there are convincing arguments to the contrary. If an unfortunate accident should happen in which you are found at fault, your standard policies may not be enough to cover negligence costs should you get sued.
Earthquake Insurance
Researchers at the Southern California Earthquake Center have predicted that there is an 80 percent to 90 percent chance of a quake with a magnitude of 7.0 or greater striking Southern California before 2024. This statement is alarming, indeed, but needn’t cause panic. Properly securing your home, and ensuring that your house or business is retrofitted to basic seismic safety standards are two key factors in protecting yourself against a major temblor. Adequate insurance coverage can help you bounce back after such an event occurs.
Do you know if you have earthquake insurance? Have you opted out of it? The decision not to buy insurance for earthquakes is not always conscious: Some homeowners don’t realize they are not already covered. And though we live in earthquake-prone country, many Californians do not carry EQ insurance. This could prove to be a devastating mistake. The professionals at TriCounty Insurance can answer all your questions about EQ insurance, and can create a policy tailor-made to protect your most valuable asset: your property.
