Homeowners in California are faced with a wide array of perils. Ranging from theft, wildfires, vandalism, lightning, to windstorms, many threats can damage your hard-earned asset. The good news is that you can be at ease when you purchase home insurance from Commercial One Insurance Service for your Burlingame, CA home. This way, you will enjoy the below benefits.

Liability protection

Whether you reverse into your neighbor’s wall, someone gets injured on your premises, or your dog bites someone, you can rely on your home insurance liability coverage to cover the medical costs and any legal claims that might arise. 

Structure protection

When fire, windstorms, smoke, or any other covered peril damages your home, your home insurance’s dwelling coverage should pay for the repairs or cost of replacement up to your policy limit. The policy can also cover damage to detached structures like the swimming pool and the garage.

Contents coverage

Home insurance doesn’t protect the structure only. It also covers the contents inside your house. When your electronics, furniture, and clothing are stolen or damaged by fire or smoke, home insurance should pay for the replacement.

Additional living expenses (ALE) coverage

Suppose your home is destroyed by fire or hail and is undergoing repairs. In such instances, your home becomes inhabitable, and you have to seek a temporal shelter. When you have an ALE add-on to your home insurance, it pays for hotel meals and accommodation expenses while your home is being repaired.

Pro-tip: While home insurance protects you from many perils, it may not protect you from floods and earthquake damage. As a result, it’s pivotal to double-check with your agent for separate covers if your home is in an earthquake or a flood-risk area. 

Home insurance in Burlingame, CA

When looking for home insurance, you need a partner that has your interests in their heart. If you are in Burlingame, CA, and the surrounding areas, you can trust Commercial One Insurance Service for all your home insurance solutions. Contact us today, and we shall help you protect your home.

In the Burlingame, CA area there continues to be many different benefits that come with owning a home. Those that choose to purchase their next property and residence will want to ensure that they properly insure it. A full home insurance policy in this area of California can protect you in a variety of different ways. 

Insurance Will Give Liability Protection

One way that you can be protected with home insurance is by receiving liability protection. All people have personal liability risks that need to be assessed and mitigated as well as possible. When you are looking for a home insurance policy, you will find that it includes some liability insurance to offset your risks. This coverage can protect you in a variety of different situations that could result in a liability claim.

Insurance Covers Your Assets

You should also get a home insurance policy because it can protect your assets. A home insurance policy will give you the coverage that is needed to repair your home if it is damaged by fire, bad weather storms, vandalism, or other risks. Additionally, you can receive coverage to repair or replace your personal assets, up to the policy limits. Due to the value of this coverage, any mortgage lender will require that you carry home insurance at all times. 

Property owners in the Burlingame, CA area need to make sure that they continue to protect their homes as well as possible. A great way to do this is by getting home insurance. When you are looking for your next home insurance policy, you should speak with the team at Commercial One Insurance Service. If you do call Commercial One Insurance Service you can get the support that is needed to fully understand your insurance options. 

Homeowner’s insurance creates great peace of mind for many people. A homeowner’s insurance policy covers many things. As a result, This type of policy can benefit many homeowners if and when unexpected events happen that require repair or replacement. Your home’s foundation can even sustain damage that needs repair, replacement, or some other service. However, homeowners insurance may not cover everything that causes damage to your foundation.

What Type of Foundation Damage Does Homeowners Insurance Cover?

Typically, homeowner’s insurance covers damage your foundation if it occurs as a result of an accident. For example, if a tree falls on your home, or someone crashes into your house while driving, damage sustained to the foundation, as a result, will usually be covered by your policy. This type of insurance may also cover damage created by broken pipes or plumbing.

Homeowners Insurance won’t Cover Damage to Your Foundation if…

This insurance won’t cover damage to your foundation if they are a result of neglected maintenance and repairs. This insurance doesn’t cover general foundation repair or the repair of damage created by general soil compaction and expansion. Homeowner’s insurance doesn’t usually cover cracks and leaks either. If you have sustained cracks, sinking, subsiding, and leaks in your foundation as a result of some natural disaster, flood insurance, or some other type of insurance would cover these repairs. Commercial One Insurance Service understands that questions about homeowner’s insurance and foundation repair can get kind of confusing. We’re dedicated to eliminating the confusion for our Burlingame, CA homeowner’s. If you have questions about coverage, give us a call. One of our experienced agents can walk you through what is covered and what isn’t, in addition to answering any other questions you may have. 

The San Francisco and Burlingame, CA area is a great place to live and work. Along with this, there is a great real estate market that offers a lot of potential to property owners. When you are going to purchase a property in this town, you need to ensure that it is fully covered by insurance. There is a range of factors to consider when you are going to get a home insurance policy.

Policy Requirements

One factor to consider when you are getting home insurance is your policy requirements. Most people that own a home will have some obligation to carry insurance. If you have taken out a loan to buy the property, the lender will likely require that you have insurance at all times. Also, if you live in an area with an association, you will have to comply with their insurance requirements. It is important to understand all of these obligations and to ensure you are meeting them.

Personal Assets

You also need to carefully consider your personal assets and make sure they are covered. Your policy will come with a certain level of coverage to replace your personal items if they are damaged or stolen. If you have some valuable items that are above this amount, you should consider getting an additional policy rider to get ample coverage. 

It is smart to find an excellent home insurance policy for your property. When you are shopping for a home insurance policy, you should call Commercial One Insurance Service in Burlingame, CA to discuss your insurance needs and options. Commercial One Insurance Service can help you to figure out what your risks and needs are. Based on this assessment, you can better choose an insurance policy that will give you the best form of coverage possible. 

The state of California requires all drivers to show proof of auto insurance that pays at least $15,000 per person for bodily injury in an accident ($30,000 per incident) and a minimum $5,000 for property damage. The state also requires drivers to carry uninsured motorist protection that pays at least $15,000 per person, or $30,000 per accident, if the at-fault party does not have enough indemnity protection to pay for all damages. Of course, the minimum in California may not be enough, given the high cost of living. In reality, an accident in Burlingame, CA could come with property damage fees that exceed $30,000. You need protection that pays all the bills. 

The agents at Commercial One Insurance Service can help you determine how much auto insurance you need in California. It may be a good idea to consider the following factors when creating your plan. 

Do you own property?

It is not uncommon for a person who lacks enough auto insurance coverage to pay for damages to have a lawsuit filed against them by the victims that demands payment for the remaining expenses. Your home may be at risk of a lien if you lose the suit but lack the cash needed to settle the offense. It may be a good idea, then, to consider an auto insurance policy that covers more than $100,000 in damages if you are a homeowner in California. 

Do you drive often?

Those who commute by public transportation more than they drive to work may find the state minimum acceptable. You may need more insurance if you drive every day or if you use your car for work. Rideshare drivers should discuss their options with a Commercial One Insurance Service agent as incidents that occur while you are transporting passengers and goods may not be covered under a standard insurance policy. 

Drive with confidence in California. Call Commercial One Insurance Service today to get started with a quote for an indemnity policy in Burlingame, CA!

Homeowners insurance helps protect your Burlingame, CA home and all its contents. If you’re new to home ownership, you may need a little help selecting a policy that corresponds with your property. The following home insurance facts from Commercial One Insurance Service can help you make wise home insurance decisions.

Importance of Home Insurance

In general, you need home insurance to protect your home and personal goods from theft, vandalism and the risk of disasters. If your home burns down due to an accidental fire, your dwelling and property insurance will help cover the cost of rebuilding your house and replacing your belongings.

Home insurance also protects you against liability claims if a visitor were to have an accident on your property. Without this coverage, you run the risk of paying your visitor’s medical expenses or property damage out of your own pocket.

What Home Insurance Covers

A standard home insurance policy will protect you against such perils as fire, smoke, hail, wind, lightning, explosions, vandalism, theft and water damage due to faulty pipes. It does NOT, however, cover flooding, damage caused by land movement (earthquakes, mudflows, landslides) or normal wear and tear of your home structure.

Coverage Options

As a homeowner, you decide the type and extent of coverage to obtain for protecting your home and belongings. Most insurers offer homeowners a choice of actual cash value (ACV) or replacement cost value (RCV) coverage.

Replacement cost coverage is more expensive but it will cover the cost of rebuilding your home or replacing your goods if they’re totally destroyed in a disaster. ACV coverage reimburses you for damages after subtracting depreciation (wear and tear), which reduces the value of your home or property.

For quality home insurance coverage to protect your Burlingame, CA home, contact Commercial One Insurance Service.  

When it comes to protecting your home you likely already have home owner’s insurance taking care of the basics. However, there are a number of potential holes within your coverage that might leave you open to financial problems and housing damage. That is exactly why if you live in the Burlingame, CA area you need to give Commercial One Insurance Service a call. 

Flood Insurance

Chances are your current home insurance policy does not cover flooding. Flooding can come from a number of potential situations. If the area is hit with substantial rainfall and your property floods, you’ll need flood insurance. It can be from a major storm bringing water in from the ocean. Or flooding can be the result of a water line bursting on your property. Whatever the culprit of the flooding, your standard home insurance policy may leave you exposed. 

Earth Quake Insurance

You live in California so you understand the chances of an earth quake occurring. While most earth quakes are on the minor side, it only takes one to cause serious damage to your property. A damaged foundation may cost tens of thousands of dollars to repair. You can avoid these kinds of costly out-of-pocket expenses by protecting your home with earth quake insurance. Not sure if your property is covered? Now is the time to contact an expert to go over your policy. 

Having the right home owner’s insurance is extremely important. It might be the difference between you having financial coverage for damage to your house and being forced to pay for the damage out of pocket. If you live around Burlingame, CA and have questions regarding your current home owner’s insurance and what you may want to consider adding on, now is the time to give Commercial One Insurance Service a call. 

If you ever are unfortunate enough to experience a disaster in Burlingame, CA, you want to feel comfort from knowing your possessions were at least covered by insurance. At Commercial One Insurance Service, we try to make sure our clients get the right coverage to suit their personal needs.

That means understanding what kinds of situations and items are excluded from their policies. Everyone has a different situation, so a policy should be individually tailored. 

Exclusions by situation 

A homeowners policy will list the kinds of cases where coverage is available. The most common are disasters like fire or burglary, and may also include tornado or wind damage. 

Water damage is usually not covered. If you feel like you want additional coverage beyond that listed in your policy, talk to your agent. 

What specifically is covered 

Subject to your deductible and policy limits, a wide range of your personal possessions are covered under your homeowner’s insurance. 

• Large appliances, like your furnace, may be covered by a home warranty instead. Small appliances, like toasters and microwaves, will fall under your homeowner’s policy. Your policy will also cover electronics, including televisions and computers. Furniture is also included. 
• Personal possessions are included, such as clothing, books, and jewelry. There are probably limits on the value of the jewelry, so if your jewelry is valuable, you may need additional coverage. 
• Homeowners insurance may cover some items you are storing on your property, like boats during the winter. Again, these are subject to certain limits, so you probably need boat insurance too.

If you have any questions about your coverage in Burlingame, CA, or if you feel like you could use greater protection, please call Commercial One Insurance Service, and we will be happy to help.

As a first time homeowner, you’ll want to make sure you have adequate home insurance coverage to protect your investment. By discussing home insurance options with an agent from Commercial One Insurance Service in Burlingame, CA, you can get a better idea of the type of coverage you need. A good policy will protect your interests in the following areas:

Dwelling

Dwelling coverage includes your home and any structures attached to it, like your garage. Your policy should protect your dwelling against significant risks where you live. These risks could include fire, rain, windstorms, theft, vandalism, smoke damage, lightning, etc. In addition to your structure, your policy should cover your home’s plumbing, HVAC system, and electrical system. You should get sufficient dwelling coverage to rebuild your California home if it were destroyed in a catastrophe.

Personal Property

This coverage protects your personal goods ranging from clothing to electronics and anything in between. If you get coverage for replacement value, your insurer will pay to have your belongings replaced if they’re stolen or lost, without deducting for depreciation. This could save you thousands of dollars in replacing these items on your own.  

Liability

If you entertain often, you’ll need sufficient liability coverage. This insurance covers the medical expenses of people who get hurt while visiting your property. A friend may slip in the kitchen while helping you cook or trip over a cable and sprain his ankle. Your liability coverage could avert a lawsuit to compensate for injuries accidents can cause.

Loss of Use

A major disaster could force you out of your home while repairs are made. This coverage pays for your living expenses while you’re away. This could include the cost of a hotel, meals out, laundry services, etc.

For information on home insurance policies and costs, contact us at Commercial One Insurance Service in Burlingame, CA.