Category: Home Insurance

Your home is your sanctuary, and ensuring its safety is one of your primary goals as a homeowner. Home safety means many things, but it all begins with ensuring that you are safe from dangers to the exterior of your home. Our team at Rancho Del Sur Insurance Services Inc. in San Diego, CA, ensures that your home insurance coverage protects you from as many dangers as possible.

Install a home alarm system.

Having a home alarm system has never been more accessible or more affordable. Many of them are easy to install yourself and monitor with your cellphone. It can be as simple as a doorbell camera or alarms that connect you to the police station or a monitoring company.

Have motion detector lights on the exterior of your home

Exterior lighting is essential for the safety of your home. Making them motion detectors allows you to control them without having to do anything. When anything or anyone crosses into the area that the lights focus on, the lights turn on. This allows you to see the front, back, and sides of your home.

Use window and door locks.

Doors and windows have locks, but they don’t do much good if you don’t use them. Most people think about door locks, but window locks can easily be forgotten and left unlocked.

Cut back tall shrubs near your home.

It is essential to home security that no one can hide in the shrubs close to your home. Keep plants close to your home short enough to prevent them from hiding anything, and trim them.

For all your home insurance needs, contact our team at Rancho Del Sur Insurance Services Inc. in San Diego, CA.

Understanding Home Insurance with Rancho Del Sur Insurance Services, San Diego, CA

Getting home insurance can provide peace of mind, especially for new homeowners. However, understanding what to look for in a home insurance policy can be difficult. As an independent insurance agency, Rancho Del Sur Insurance Services offers multiple options at the best rates. We are the go-to company for personalized service in San Diego, CA.

Home Insurance Doesn’t Cover Everything

Home insurance offers a sense of security, but it has limitations. Reading your home insurance policy comprehensively will give you an idea of the exclusions and limits you may not be aware of.

Some Dog Breeds May Not Be Covered

Certain breeds of dogs are considered high-risk, and insurance companies may not provide coverage for them. If you own a pet dog, it is better to get informed.

You Choose Your Insurance Deductible

The amount you choose as your deductible must be paid each time you file a claim. It’s not a yearly deductible but a per-occurrence deductible. While a higher deductible can result in lower premiums, remember that you will need to pay this amount to have repairs done on your home.

You Have Choices for Personal Content Coverage

Regarding personal content coverage, a percentage of the property coverage is usually allotted. That said, you can choose coverage based on either the current value of your possessions or the cost to replace these items at present-day prices. Although the latter option may be more expensive, the choice is yours.

Contact Rancho Del Sur Insurance Services in San Diego, CA to discuss your home insurance needs with one of our team members.

Renovations, particularly ones carried out in your home’s basement, can significantly impact the type of home insurance coverage you require. Prior to updating your existing policy, consider the following guidelines to ensure complete coverage.

Insurance Coverage Increase

The key reason to augment your home insurance coverage is to protect the added value of basement renovations adequately. Given that new materials and features may alter your home’s functionality, it’s prudent to ensure the renovated space and any new additions are protected against unexpected damage.

Account for Loose Purchases

Evaluate all loose items you have purchased for your renovated space, including furniture, media equipment, decorations, and more. Recording the accumulated cost of these items assists in assessing the value of items to be added to your insurance policy. If available, receipts for your purchases can provide this assessment’s accurate basis.

Incorporate Structural Materials

Remember to consider the structural materials installed during the renovation. Assessment should cover added elements such as windows, doors, moldings, wall panels, and other materials that enhance the living space. All these structural elements can be incorporated into your home insurance policy for complete coverage.

Electrical and Plumbing Systems

Inspect the new electrical and plumbing systems incorporated into your basement. It is important to add these new elements to your current home insurance policy. Your contractor should be able to provide a detailed invoice listing the investment made in these upgraded systems.

Consult with an Insurance Expert

Bringing an insurance agent into the picture is a wise final step. Schedule a consultation with a Rancho Del Sur Insurance Services Inc. representative, which serves the San Diego, CA area. At Rancho Del Sur Insurance Services Inc., we are dedicated to addressing all your insurance needs and preparing updated home insurance documents tailored to your revised coverage needs.

If you’re proud of your fine art collection in your home, our team in San Diego, CA at Rancho Del Sur Insurance Services Inc. wants to help you ensure that this asset is protected through the appropriate insurance policy. You may already have homeowners insurance through our agency. In that case, you might wonder if the policy can cover fine art pieces and protect your prized collection.

Coverage is subject to regulations in the insurance industry. Still, for those who haven’t purchased a home insurance policy with us yet, it can be important to ask questions about how we might be able to help you protect the items that are most valuable to you like your art collection. Although every insurance policy has terms and limits that apply to that policy, we may be able to answer this question on a general level to give you a starting point for deciding what type of insurance may be best for keeping your art pieces protected from theft and more.

Can Home Insurance Cover Fine Art Pieces?

Although some policies may have terms and limits that exclude fine art pieces, most home insurance policies provide some sort of coverage for valuable items and assets like fine artworks. From fine art paintings to sophisticated sculptures to drawings to prints and beyond, your home insurance policy may be able to reimburse you if your fine art piece is stolen. While some policies have exclusions that account for natural wear and tear and pests that may damage the artwork, most policies should cover some assets even if those policies exclude art as a whole.

To learn more about our home insurance policy options in San Diego, CA, call Rancho Del Sur Insurance Services Inc. for more information today!