Does my home insurance cover all my possessions?

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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.

Coverage When Your Car is Damaged on a Work Trip

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Thousand of folks across the country travel every day for work. In California sales people, technical specialists, managers covering different regions and operational folks hit the highways and the side roads every day of the week to get things done and keep companies rolling. However, while companies in Burlingame, CA and elsewhere are quick to reimburse mileage or offer options for rental cars, they don’t necessarily jump to the forefront to help folks protect their cars. In fact, many companies require anyone traveling in their own car to have their own car insurance in case of liability needs or an accident. Now that’s a bit of a paradox since the trip happened due to work, but many companies in Burlingame, CA either provide their own vehicle or a rental in many cases if an employee has no car. But folks like to drive their own cars instead, so when that happens, companies shift the coverage burden to the employee as part of the convenience being allowed.

No surprise then, employees better have their own insurance up to date and ready to address travel through different areas, especially when traveling out of state for work. According to Commercial One Insurance Service, state minimum liability coverages vary, so if a person only has a basic liability coverage in place, it may not be enough for a neighboring state. Those with comprehensive coverage or a more robust policy are in a far better situation as these coverages easily address requirement differences from state to state. Commercial One Insurance Service can help if you think you’re going to need your car a lot for work and want to have the right coverage in place. Whether you’re going to be an Interstate 5 warrior or go cross-country, our experts can match you quickly to the right policy. Call today!

Is Your Inventory Protected? It May Be Time to Update Your Warehouse and Logistics Insurance

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For many companies, their main inventory is in a warehouse waiting to be set to use. This is why additional warehouse and logistics insurance may be a wise choice for your business, whether you have one warehouse or many. At Commercial One Insurance Service we want to help you keep your business’ inventory protected with a full policy. We serve Burlingame, CA and the surrounding areas. 

How This Policy Can Protect Your California Warehouse Inventory

Protection of your stored physical assets in inventory is key in today’s world. Even if you take all the precautions to make sure everything runs smoothly, you cannot predict every possible occurrence from weather extremes to human error, and even malicious intent and crime. But you cannot let what may happen to keep you up at night, you have enough to think about when it comes to running our business effectively. This is where a warehouse and logistics insurance comes in. We can help you recoup your losses in many scenarios from negligence, damage, and even workers comp in some situations. When it comes to storing your inventory and planning the movement of it, we can help you reduce your risks. 

Contact us to Discuss Your Current Insurance Policy to Find Out if Your Business is Fully Covered

Call us at Commercial One Insurance Service to discuss the specific insurance needs of your business. We will help you choose a policy and policy add-ons that are a perfect fit for your company. We serve Burlingame, CA and the surrounding areas with quality insurance services, so call today for your quote to make sure you are protected in the coming year. 

Fast-Changing Title is Becoming More Common, Will Auto Insurance Be as Adaptive?

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A new trend in car ownership is beginning to appear more and more in Burlingame, CA and elsewhere in the state. Where the traditional method of car ownership involves a buyer purchasing a car and owning it for a long period, usually a few years to pay off the related financing, now that paradigm is changing. The new approach essentially allows a person to own a car for just as long as needed, even if just a few months. The owner pays for the car while he or she has it, and then the car can be dropped off with title relinquished and no further payments need be made.

This new approach may seem like a lease, but it doesn’t involve the restrictions that come with a lease program. And unlike a lease, you are the owner of the car. Under the new program, the vehicle gets sold back to be quickly repurchased by someone else for the same terms. The entire service is handled via computer or a phone app, and Burlingame, CA is in the heart of this trend being close to Silicon Valley.

Some might wonder if auto insurance will be denied for a car that a driver won’t be owning that long and might relinquish in a few months instead of a few years. In fact, according to Commercial One Insurance Service, it’s not that big of a deal. Policies are kept in place for the duration that a policyholder needs it or the insurer wants to provide coverage. Typically, this is renewed in cycles of a year or every six months. So regardless of no longer being stuck with a car due to long-term financing commitments, the auto insurance world still generally stays the same. That’s good news for urban drivers looking for far greater flexibility, and Commercial One Insurance Service can help frame the right policy. Give us a call today.

Buying a Home? Must Have Home Insurance Coverage

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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.

Teens, Scale of Their Driving, & Your Policy

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Insurance is about risk, and teens as drivers are definitely in the category. However, simply having a teen driver doesn’t automatically mean the same risk across the board. For example, a teen who drives a car only on the weekend has a statistically lower accident risk than one who drives a car every day on a commute. This distinction matters a lot, especially when it translates to a premium difference on the car owner’s wallet. Unfortunately, many folks don’t fully understand how risk is rated for car insurance. So they either don’t let their teen drive the covered car at all, hoping to avoid a significant cost increase, or they opt for the largest cost category of frequent driving which may not apply to how often the car is used by a related teen. Both end up mismatching an insurance policy with the actual need.

The best thing a teen parent can do with their car insurance policy in Burlingame, CA is to first have a sit down with Commercial One Insurance Service. Everyone, including insurance agents, understands the need to match a policy to one’s reality. And the folks at Commercial One Insurance Service can take a variety of options and provide real choices for parents. Teens should and need to drive. It is the time when they learn how to interact with the adult world before going out on their own. But that doesn’t mean your car policy has to be priced at a Fort Knox level. Give your local Burlingame, CA agent a call at Commercial One Insurance Service today and relax with a policy that makes sense for your whole family.

When Can You Claim Your Warehouse and Logistics Insurance?

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Most business people get warehouse and logistics insurance as additional coverage for their businesses. The insurance coverage, however, has some unclear areas. The insurance coverage options are meant to protect business owners from workers’ compensation claims, employment practices liability, and bonding surety. At Commercial One Insurance Services serving the Burlingame and Los Angeles, CA areas, we write quotes for warehouse and logistics insurance policies.

The following are some of the reasons when you can claim your warehouse and logistics insurance:

Negligence When Handling Goods In a Warehouse

Warehouse legal liability insurance coverage serves as third-party coverage. If a warehouse operator handles goods without care, your customers may incur losses. The coverage helps to pay the customer for the loss only if a warehouse operator has indeed handled the goods with negligence. The negligence is usually characterized by factors such as inappropriate storage or labeling

In Case Of Property Loss

Commercial property logistics insurance covers you in case of property loss or damage. You can make a claim to receive financial compensation.

In Case A Worker Gets Injured At Work

Workers compensation insurance helps to pay for medical fees in case an employee gets injured or sick at work or as a result of their work. If they decide to file lawsuits, it helps to pay for the legal fees.

At Commercial One Insurance Services, we help our clients get the quotes that are able to suit their needs. We write insurance policies for life insurance, home insurance, warehouse and logistics insurance, commercial insurance, trucking insurance, and auto insurance. We offer our services in California, Nevada, Virginia, and Georgia. Our agents are friendly, knowledgeable and professional and we have 20 years experience.

Visit our offices or contact us at 650-652-9988 to discuss a new quote if you are in the Burlingame or Los Angelas, CA area.

3 Facts About Home Insurance

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Typically, when you borrow money to purchase a home, your mortgage lender will require you to buy home insurance to protect their interests and safeguard your asset. Your home is a valuable asset that you must do whatever you can to protect it from unforeseen future risks. Commercial One Insurance Services offers comprehensive homeowners’ insurance policy to all homeowners in Los Angeles, CA and the surrounding areas.

Unfortunately, most of the homeowners don’t understand what a typical homeowners’ insurance policy is all about and how it works. Here are the top three facts about home insurance that every homeowner should know.

There are Different Types of Home Insurance Policies

Although homeowners’ insurance policies are pretty standard across the United States, some providers or states may offer slightly different policies. The prominent home insurance policy is the HO-3 which protects from all common disasters except any disaster that has been excluded from the policy. This means that you will not be covered for any disaster that is not listed in the policy. 

There is also the HO-5 policy which protects both your home structure and personal property against all common disasters. The HO-6 Policy only covers your home structure against specifically named disasters.

Home Maintenance is Critical

Home insurance providers will always want to ensure that your home is in good shape before they cover you. Some insurance companies will deny a claim if they discover that damage occurred due to neglected maintenance activity. So, make sure you conduct regular roof inspections to establish any signs of roof leakage and keep your trees well-trimmed to avoid trouble with your provider when damage occurs.

Not All Damages Are Covered

Your standard homeowners’ insurance provides you with many protections such as protection of your home structure, personal belongings, liability, and loss of use. However, it does not cover everything in your home. Some home insurance policies state that for something to be protected, it must be accidental and sudden.

For instance, if your home has a leaky faucet that caused damage over many months, it will probably not be covered since you ignored proper maintenance. Also, specific natural disasters such as earthquakes and floods are not covered.

Are you a homeowner in the Los Angeles, CA area? Contact Commercial One Insurance Services today for a homeowners’ insurance policy