Land Home Insurance Services

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Suite 250
Concord, CA 94520

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Who needs to get umbrella insurance in California?

Like those in other areas, people who live in the Concord, CA area need to have a good personal insurance plan in place. One important form of insurance coverage that people should get here is umbrella insurance. This is a unique form of protection that offers personal liability. There are several situations when someone here should get this protection. 

People That Want to Have More Liability Coverage

A common scenario when people want to have umbrella insurance is when they want to receive more liability coverage. People that are all over the state of California could find that their insurance coverage through home or auto policies is helpful but may not be enough to cover damages caused by a major accident. To ensure that you have the coverage you need, you should get an umbrella insurance policy as it will provide coverage on top of the other policies.

People with Unique Liability Risks

Most people that are in this area will have liability coverage through their existing insurance plan. However, some people have unique liability risks that make them more prone to liability claims outside of their base policies. If you get an umbrella insurance plan, the coverage will be vast and protect against situations that are harder to predict and insure against. This can offer comfort to anyone that gets this coverage. 

There are a lot of situations when someone would benefit by getting umbrella coverage in Concord, CA. If you are going to shop for this insurance, you should call Land Home Insurance Services. The insurance professionals with Land Home Insurance Services know the value that this coverage provides. We can offer you great support when it comes to choosing an umbrella policy.

What does flood insurance cover

Almost any day of the week, you can listen to the news and hear about flooding somewhere in the United States. Rising seas have made other natural disasters more likely to result in extensive flood damage. Even as little as an inch of water in your home can cause thousands of dollars in damage. Protecting yourself makes all the difference. At Land Home Insurance Services in Concord, CA, we are an independent insurance agency that offers our customers a choice of top carriers and insurance products. 

Flood insurance is a product of FEMA (Federal Emergency Maintenance Agency), which is issued through the NFIP (National Flood Insurance Program) directly or through one of their approved carriers. It is designed to lessen the impact of flooding on homeowners, renters, and businesses. The fact remains that floods are not covered with homeowners, renters, commercial insurance, and insurance needed to provide protection. 

Flood insurance is sold in two parts: building and contents. You can purchase both or just one. The maximum coverage on a building is $250,000, and the contents are $100,000. Like most insurance, there are exclusions. To purchase one of these policies, you must live in one of the 23,000 communities that are part of NFIP. 

The building policy covers the structure of your home and the foundation. It also covers the major systems needed in your home’s such as electrical and plumbing. Your furnace, water heater, and central air conditioning are included. Additionally, anything that is a permanent part of your home, such as flooring, kitchen cabinets, built-in appliances, and bookcases.

Content insurance covers your furniture, washer and dryer, small kitchen appliances, electronics, and clothing. All the things that make your house a home. 

Contact Land Home Insurance Services in Concord, CA to discuss your flood insurance needs and any other insurance needs you may have. 

5 Myths about Auto Insurance

When it comes time to buying an auto insurance policy, a few common myths seem to get repeated though they lack any truth. If you’re wondering about some of the questions surrounding auto insurance, the team at Land Home Insurance Services has put together this short guide that will dispel any auto insurance myths you may have heard. Read on to learn more.

  • The color of your car helps determine policy price: This is not true. If you drive a red car or a black car, it doesn’t matter. What does matter is the kind of car you drive. So go ahead and get that flashy red sports car.
  • The older you get, the more expensive your insurance: We’re here to bust this myth, too. The truth is that older people tend to drive less and receive senior citizen discounts. When you do the math, this adds up.
  • Your credit doesn’t matter: Did you know you have a credit-based insurance score? It is taken from your credit history and could matter when purchasing an auto insurance policy. If you have a good credit score, the insurance companies believe you have your finances in order and will be less likely to file a claim, and this is rewarded by paying less on premiums. 
  • Your car is covered in a flood: If your car is damaged in a flood, you will only be covered if you have comprehensive and collision coverage in addition to your regular auto insurance policy. 
  • You only need the minimum: Having the minimum amount of auto insurance means just that – the bare minimum. While this is mandatory by Concord, CA to have your car registered, it is highly recommended to get full coverage. Being an underinsured driver in Concord, CA could cost you a lot if you were to cause an accident.

To learn more about auto insurance, contact the team at Land Home Insurance Services.

Is It Mandatory To Have Condo Insurance?

For as long as you have a mortgage to pay, you will need to obtain a homeowner’s insurance policy to protect the bank’s interest in the property until you own the property. Renters insurance, on the other hand, is not mandatory, only highly advised. However, a condo falls somewhere between the two, which makes getting condo insurance relevant. Unlike a homeowner, as a condo dweller, you do not own the building you live in or the land the building is on. As an individual condo owner, you will not be responsible for any damage to the building’s exterior or roof, such as storm damage. Common areas, such as the land outside the building, tennis courts, elevator, and hallways, also fall under the HOA’s master policy.

Do You Require Condo Insurance?

If you live in Concord, CA, your condo association will most likely come with a master policy to cover the building. Still, you will require an individual condo policy for your unit and personal belongings in it. Condo insurance is important to protect the mortgage lenders’ financial interest as you pay your mortgage and adhere to the HOA even after paying your mortgage.

What Does Condo Association Insurance Policy Cover?

Your condo insurance from Land Home Insurance Services will cover repairs in case of a natural disaster, replacing damaged or stolen belongings, and liability if guests are injured while staying in your unit. This insurance will also cater to damages in case you are sued for negligence. Before buying a condo insurance policy, determine what an HOA master policy covers to get adequate protection for your unit. Land Home Insurance Services offers condo insurance services and consultation. If you are looking for reliable condo insurance in Concord, CA, contact our office today for more details.

Do You Really Need Home Insurance?

Home insurance isn’t required in California by law. If you have a mortgage on your home, your lender may require you to have insurance protection to protect his monetary investment. Otherwise, home insurance is optional. Understanding the protection that home insurance from Land Home Insurance Services can provide can also help you decide if it’s worth your while to purchase a policy.  

What Does Home Insurance Cover?

Home insurance covers your home and personal belongings.

Dwelling coverage protects your home against fire, storms, vandalism, and other disasters. If your home is damaged in a covered peril, dwelling coverage will help pay for repair costs. If it’s destroyed, dwelling insurance will compensate you for your loss, up to the limits of your policy. Property coverage protects your belongings against theft, damage, or loss in a disaster.

Unless you have the financial means to pay for disaster damage or loss of property on your own, it’s best to protect these investments with home coverage.

Liability Protection

Home insurance also offers liability coverage to protect you against accidental injuries on your property. If a friend has an accident on your property that requires medical care, you could be held liable for these expenses, which could amount to thousands of dollars. Liability insurance protects your financial interests by covering these costs.

Accidents on your property also pose the risk of lawsuits. A lawsuit could quickly deplete your savings or retirement fund. Liability insurance protects you against lawsuits by paying your legal fees and settlement, if you lose, up to the limits of your policy.

Considering the protection you receive from home coverage, a home insurance policy is well worth the cost. To purchase a policy for your Home, call or visit Land Home Insurance Services today. Our specialist will be happy to work with you. 

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