Month: December 2023

Does Home Insurance Cover My Belongings?

Posted on by agentinsure

Home insurance isn’t just for the actual structure of a house. It usually offers several other protections, including personal property coverage. Here’s how a home insurance policy would likely cover things in your Chandler, AZ house.

Personal Property Coverage in Home Insurance

Typically, a standard home insurance policy includes personal property coverage. This means that your belongings, such as furniture, electronics, clothing, and other personal items, are protected against specific perils like theft, fire, and certain natural disasters. However, the extent of coverage and the limits can vary depending on the policy.

Coverage Limits and Exceptions

While most belongings are covered under a standard home insurance policy, there are usually limits to the amount the insurance company will pay for certain items. High-value items like jewelry, art, and collectibles may require additional coverage. 

Reviewing your home insurance policy’s terms with a knowledgeable insurance agent is essential. We at San Marcos Insurance Group can help.

Additional Coverage Options

If you have high-value items and want them better protected, consider additional coverage options or riders. These can provide higher limits or cover risks not included in a standard policy.

Protect Your Possessions

When getting home insurance, don’t just focus on the coverage afforded for your house. Also, pay attention to how well a policy will protect those things in your house. Your possessions are likely worth thousands and probably tens of thousands.

If you’d like help finding coverage for your belongings, contact us at San Marcos Insurance Group. One of our knowledgeable agents will work with you to find a home insurance policy with the personal property coverage you require.

Three Ways Your Agent Can Help With Auto Insurance Updates

Posted on by agentinsure

If you’re in the Chandler, AZ area and looking to update your auto insurance policy, the agents at San Marcos Insurance Group can help. We understand that getting insurance for your vehicle is easy, and you want to ensure it stays valid. Many people don’t think about making significant changes (or even small ones) to their policy after they have it, but sometimes that’s important.

1. Going Over Details to Make Sure They’re Accurate

You and your agent need to ensure there aren’t any problems with the information listed on your insurance policy. If something isn’t accurate, and you’ve just noticed it, it’s important to update it as quickly as possible. Some inaccuracies can put you at risk of liability in the event of an accident or other claim, so you want to let your agent know about any needed corrections.

2. Helping You Make Adjustments During Big Life Changes

Big life changes may also need vehicle insurance updates. If your child turns 16 and needs to be added to your policy, for example, you’ll want to make sure you’re covered. Buying or selling a car also requires an update, as does getting married or moving to a new home. It’s better to err on the side of caution and ask an agent to help with any significant changes.

3. Offering a Yearly Review to Make Sure You’re Up to Date

A yearly review is a great way to ensure your insurance policy protects you as well as possible. If you’re in the Chandler, AZ area and looking for a review and update of your auto insurance, contact us at San Marcos Insurance Group for help today.