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Homeowner’s coverage doesn’t have to be difficult to understand. A basic

Audrey's Homeowners Insurance Policy will cover the following:

Because one’s needs are not the same, you should consult an agent to help assess your needs and find the insurance policy that is right for you at the lowest possible price.

Homeowner’s insurance provides for financial protection against disasters. Standard policies insure the home itself and the things in it.

Homeowner’s insurance is a package policy. It covers both damage to property and liability or legal responsibility for any injuries and property damage you or members of your family cause to other people, including damage caused by household pets.

Damage caused by most disasters is covered but exceptions include damage caused by earthquakes, floods and poor maintenance. Separate policies must be purchased for flood and earthquake coverage. Maintenance-related problems are the responsibility of the homeowner.

Why do you need homeowner’s insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.
• If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Things to consider and questions to ask your agent
Here are some things to discuss with your agent that will influence your decisions.
• How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)

• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
• What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)

What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Auto Insurance can be very expensive so it’s important to know all factors that effect cost, and the different types and amounts of coverage available.

Car

Insurance

Liability Insurance

Bodily Injury Liability protects you against claims of other people who are injured when you are at fault. It does not protect you against damage to you personally or your car. It protects you from their damages such as medical expenses, lost wages, and pain and suffering. You will also be covered for damages if the accident was caused by a member of your family living with you or a person using your car with your consent.

Bodily injury liability is purchased with specific benefit limits. These limits address how much money the insurance company is committed to pay for any one victim in an accident and limits the amount they must pay for multiple victims. Most states require you to purchase minimum amounts of bodily injury coverage. If you raise your coverage your premiums will increase because the insurance company will be assuming a higher risk.

Property Damage Liability pays for any damage you cause to the property of others. It could be a dented fender, broken window, or damaged property. The insurance company will pay the claim whether you were driving your car or whether it was driven by another person with your consent. Property damage liability insurance is purchased with specific benefit limits. Most states require you to purchase minimum amounts of property damage liability insurance.

Uninsured motorists coverage is protection for you. This coverage pays you if you are injured by a driver who does not have auto insurance or by a hit-and-run driver. This coverage takes the place of the insurance the other driver should have purchased but did not, or covers the amount the other driver’s insurance does not cover. Uninsured motorists coverage is purchased with specific benefit limits. Most states require you to purchase minimum amounts of coverage. This coverage does not protect the other driver and may not cover damage to your vehicle.

Property Damage Coverage

Property damage is covered by either Collision coverage or Comprehensive coverage.

Collision Coverage pays for physical damage to your car as the result of a collision with an object or another car. This coverage is expensive and is optional but may be required by your lending institution or lessor. The higher the deductible, the more you will save on the cost of coverage. Collision coverage only covers your financial expenses for repair of your damaged car. If the repair cost exceeds the current value of your automobile the insurer will “total” the car and pay you only what the car is worth, not what it would cost to repair.

Comprehensive Coverage pays for damage to your car other than the result of an accident, such as, theft, fire, severe weather, flood, and vandalism. It is not as expensive as collision coverage and the cost can be reduced as you increase the deductible. This coverage is optional but may be required by your lending institution or lessor.

Optional Coverages

Medical Payments Coverage pays for the medical and funeral expenses for you or others injured or killed in an accident while riding in or driving your car even if you cause the accident. Claims include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It also covers you or members of your family if you are struck by any auto while walking or while riding in another auto.

Rental Reimbursement Coverage usually pays a specific amount for a specific number of days while your car is being repaired.

Towing Coverage pays the cost of towing your car to the repair shop.

Motorcycle Insurance

Finding the Best Coverage

Choosing the right CA motorcycle insurance policy is much like choosing the right bike. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional.

Liability Coverage in California

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle.

Collision Coverage

Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object.

Comprehensive Coverage

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and cover only the book value of the motorcycle.

Uninsured Motorist Coverage

Uninsured motorist coverage pays for medical treatment, lost wages and other damages if a driver who has no insurance hits you. If your uninsured motorist coverage includes property damage, then your cycle would also be covered under the same circumstances.