Top Personal Insurance Tips

As we begin a new year, one thing on most people’s “to do list,” is buying home insurance and auto insurance.  When it comes to personal insurance, you want to be adequately covered if you do have a claim, but you do not want to pay more than you should.  We recommend that you call us before your personal insurance policies renew, so we can shop the market and compare options for you.

• Review your deductibles and limits - Are they adequate for your needs?  Are you using your personal vehicle for Uber, deliveries, or other commercial use?  If so, your vehicle may not be covered.  Are you renting out part of your home?  Again, you may need to adjust your coverage.

• Use an independent agent - Independent agents can access many different insurance companies and select the one that offers the best combination of coverage, service, and pricing.
• Do not buy insurance on the internet - Call us so that we can provide you with outstanding service along with competitive pricing.
• Maintain good credit - Regularly check your credit score, since a low score may impact your premium.
• An umbrella, or “excess,” policy kicks in where your liability coverage for your auto and home ends, and is a necessity if you have any assets to protect.  A $1 million umbrella is common, but $2 million is more realistic these days.
• Review your auto limits – If you have limits of less than $100,000, that won't even cover the medical bills in a serious accident.
• Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.
• Bundle your insurance – Combine your auto, home, and umbrella policies with one insurer to receive greater discounts.
• Set the right deductible - A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident.
• Consider identity theft coverage – Identity theft is one of the fastest-growing crimes in the U.S.
• Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy. The insurance company should have an “A+” rating or higher.

Call us today and let us help protect what is important to you. We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible. 

All of us at San Clemente Insurance Services truly value the long term relationship with our clients, and are proud to give families, individuals and businesses the personal attention required when it matters most. When claims arise, we realize that it can be very stressful and will do everything possible to assure timely and complete recovery.