Tips

From simple policy checks to programs and discounts you may not know about—we’ve put together our top practical tips to help you get the most out of your coverage.

Tip #1: A Home Inventory Now Can Save You Time (and Stress) Later

Take a few minutes to walk through your home with your phone or a camera. Take photos of each room, closet, and storage area. Alternatively, take a video of each room. Store the footage safely off-site, or in the cloud.

If you ever need to file a claim, your photos will make the process faster and more accurate—and help support your claim.

 

Tip #2: The Coverage Gap Most Homeowners Miss

One of the questions we hear most often from clients is, “Do I need earthquake coverage?” And right behind it: “Is it expensive?” 

It’s a savvy question, and we’re glad you asked! 

Experts agree it’s not a question of if another quake will hit—it’s when.

Here’s something many homeowners don’t realize: standard homeowners and landlord insurance policies do not cover earthquake damage. Unless you’ve added optional earthquake coverage, quake-related losses are excluded from your policy.

The good news? Our QUAKE SELECT program through GeoVera offers flexible coverage limits for personal contents and loss of use, along with customizable deductible options to fit your budget.

Find out more: We can look at your coverage needs together—no obligation required. We’ll answer your questions, walk you through your options, and provide a cost estimate.

Give us a call today. We look forward to helping you protect what matters most. 

Tip #3: How Raising Your Deductible Could Lower Your Premium

If you’re still carrying a low deductible on your policy, your instincts are good—but it might be costing you more than you realize. The higher your deductible, the more risk you take on, but the lower your premium tends to be.

Before making a change, consider:

  1. Your claims history. Rarely filed a claim? A higher deductible may make sense.
  2. Your emergency savings. Make sure you’re comfortable covering the higher out-of-pocket cost if needed.
  3. The actual savings. Ask us to quote a few deductible levels ($1,000, $2,500, $5,000) so you can compare.
  4. Percentage-based deductibles. Some policies—especially those covering wildfire, wind, or hail—use a percentage of your dwelling limit instead of a flat dollar amount. Know which type applies to you.

Raising your deductible isn’t right for everyone, but for many homeowners, it’s an easy way to reduce premium costs without losing meaningful coverage.

Let’s run the numbers together and find the deductible that fits your budget. Give us a call today.

 matters most.