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Is it Time to Reconsider Your Auto Insurance Policy?

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Is it time for you to reconsider your auto insurance policy?

It’s generally recommended that you shop around for auto insurance every year or so, especially because rates often change depending on a variety of factors.

At Land Home Insurance Services, we’re committed to helping you find the best way forward when it comes to auto insurance. We are here to answer any questions you might have regarding your auto insurance policy, and what options you have for changing your rates.

Auto Insurance Policy: Factors to Consider

You may want to reconsider or otherwise revisit your auto insurance policy if it has been longer than six to twelve months since you last checked in with it.

Auto policy rates can shift over time based on factors like your commute, your neighborhood, and various other data points, so it’s good to check in every so often to see if these other factors have substantially affected your policy. This also applies when something major changes in your own life, such as moving, or changing jobs.

Give Us A Call

Contact us today at Land Home Insurance Services and we’ll help guide you through the sometimes-messy world of revisiting your auto insurance policy.

We are committed to helping you find the best rates and policy for your needs. You shouldn’t be saddled with a policy that’s no longer right for you or your family. Having your auto policy up-to-date is a huge thing to take off your to-do list, and having everything in order on the policy side can give you some much-needed peace of mind.

Reasons You Need Motorhome Insurance

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When you buy a motorhome, you are buying the dream. You can travel wherever you can go, without having to spend the night in a hotel. You have your own hotel on wheels!

That being said, you still need to think about insurance for your dream. You may think that your automobile insurance is enough, but the truth is that you need special motorhome insurance. Land Home Insurance Services in Concord, CA provides this guide on navigating this coverage. 

Why You Need Motorhome Insurance

Your standard automobile insurance doesn’t have enough liability or collision

Your RV is going to cost more to fix and replace than a standard car or truck, which is why you need better insurance for it. 

It also doesn’t cover all of the possessions that you bring along with you on the road

If you are going to be traveling for a few weeks or even months, you are going to fill your RV full of things, such as clothes, electronics, and computers. You will also bring things along that you don’t typically take on vacation, such as your jewelry and sporting goods. 

You may need RV insurance if you have financed it

Just like with homes and automobiles that are financed, you need to have enough insurance to cover any repairs that may need to be made. 

Though you may just want to add your RV to your automobile policy, the truth is that just isn’t enough. It is much more expensive than a typical car and truck, plus it is filled with all of the things that you have to bring along! 

If you want to make sure that your motorhome is protected, you need to talk to a professional. Don’t hesitate to contact us today at Land Home Insurance Services in Concord, CA. 

Does Renters Insurance Cover My Belongings If They’re Stolen From My Car?

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A large percentage of people renting homes and living spaces in Concord, CA, have renters insurance. Many of the residents with renters insurance assume that their policy overs their belongings if they are stolen from their cars. This might be true or not true for you as a renters insurance policy, depending on the theft situation. Here’s why:

What Was Stolen? 

Generally, your renters insurance will cover items stolen from your personal items stolen from your car parked at your home. For instance, if you have left your smartphone, your personal laptop, and your company’s hard drive in your vehicle and it was broken into, and all of the items are stolen. Your renters insurance will compensate you for your smartphone and personal laptop, but not for the company’s hard disk. If your car stereo is also stolen during the incident, your renters policy won’t compensate you for it. The policy will not also take of the damage done to your car when the perpetrators broke into it to steal your items. It will not also cover your vehicle if it’s stolen with your personal items in the theft.

This is why at Land Home Insurance Services, we advise that you get a separate car insurance policy even if you have renters insurance.

Where Was the Car?

Renters insurance will typically cover all your personal belongings stolen from your car, whether the vehicle is at home, across the country, or on another continent. Therefore, if you are traveling the world in your car, you can expect your renters policy to protect all your personal belongings if your car is broken into. However, there is an exception to this rule; your renters policy won’t cover your personal belongings stolen from your vehicle in a war zone.

Contact Us Today

Are you a Concord, CA, resident looking for renters or auto insurance? At Land Home Insurance Services, we have the best renters and auto insurance deals. Call us today.

Why Do You Need Motorcycle Insurance?

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If you have a motorcycle, you might be wondering about motorcycle insurance. You may not be interested in getting any. However, that could be a mistake. Here are some reasons why Land Home Insurance Services recommends this insurance in Concord, CA. 

Why Do You Need Motorcycle Insurance?

It may be required by your state. Most states require that you have some sort of motorcycle insurance. The only state that doesn’t require motorcycle insurance is Florida. 

Your loan may require insurance, in order to protect your investment. Just like with car insurance, if you had to take out a loan in order to buy your motorcycle, they will require you to take out a certain amount of insurance. They may require collision and comprehensive insurance.

If you can’t afford to replace your bike, you are going to need insurance. If money is tight, and you can’t afford to fix your motorcycle or replace it, you should consider getting insurance. If the accident is your fault, you are going to be held liable for all of the costs, including your own bike. 

You could also be held liable for their repairs, plus any medical bills that they may have. If you hurt someone in an accident, you are going to have to pay for their medical care, no matter what it costs. Your insurance will cover those fees unless you don’t have any. 

Though you may not want insurance, everywhere except Florida requires you to have it. Your loan company may also require it. Other than that, you should have it so that you don’t have to worry about paying for medical bills and fixing your bike if you are involved in an accident. 

If you need someone to talk to about motorcycle insurance, you should contact us at Land Home Insurance Services in Concord, CA. 

RV Insurance Options For California Residents

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RV insurance is necessary for all RV owners who want to keep their investments well protected. RVs don’t come cheap, so you need to safeguard them from any unthinkable occurrence. When you are into traveling outdoors, you want absolute peace of mind should anything occur to your RV. That said, getting the right insurance coverage is the real deal, and that’s why you need to understand different RV insurance options. Land Home Insurance Services is here to elaborate on some standard RV insurance coverage options. Let’s dive in.

  • Liability coverage: California requires that all RV owners carry at least minimum liability coverage while on the road. Liability coverage protects you against liability claims for an accident you are at fault.
  • Collision coverage: Collision will protect you if your RV hits another object or vehicle regardless of who is at fault.
  • Uninsured and underinsured coverage: You are likely to meet different people on the road, some uninsured, others underinsured. RV insurance provides uninsured and underinsured coverage to protect you from such drivers who hit your RV. It’s even ideal for hit-and-run accidents.
  • Comprehensive coverage: It’s wise to insure your RV from non-collision damage such as vandalism, theft, and fire because they can occur when your RV is parked.
  • Roadside assistance: You need this coverage if you frequently travel in your RV. It covers towing, flat tires, dead batteries, and gas delivery when stranded on the highway.

RV insurance in Concord, CA

RVs are costly, and you need to insure them right from the go. Our experienced agents will help you understand the coverage options appropriate for your RV, lifestyle, and other needs. Ready to purchase RV insurance in Concord, CA? Talk to us at Land Home Insurance Services for a quote.

What does boat insurance cover?

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Boat insurance works similar to motorcycle, car, and even RV insurance. It’s designed to protect you, your boat, and others. In other words, it’s designed to provide liability coverage as well as coverage that can be used to repair or replace your boat, property, or someone else’s boat or property. Fundamentally, it operates like car insurance and other insurance designed to cover vehicles and other moving machinery. Land Home Insurance Services of Concord, CA is here to educate consumers on the benefits of boat insurance. 

Boat Insurance Defined 

Boat insurance is designed to cover your personal watercraft. This may include a motorboat, sailboat, or any other type of watercraft. Boat coverage typically covers theft, damage from an accident, and even some natural disasters, like lightning and fire, that may cause damage to your watercraft. Also, boat insurance can also cover parts of your watercraft which may include the hull, fittings, permanently attached equipment, machinery, and furnishings. These coverage types fall under three, sometimes four, common categories when it comes to insurance for vehicles and other motor-powered machines.

  • Property Coverage
  • Liability Coverage
  • Medical Coverage
  • Uninsured Coverage

Boat property insurance coverage

This coverage is designed to pay for the repair or the replacement of your boat if it’s damaged.  This coverage provides protection for your boat on both land and water. Typically, this type of coverage allows you to choose between actual cash value coverage or agreed amount coverage.

Liability Coverage

Liability coverage is designed to cover damage caused by your boat to another person or their property. This type of coverage works like liability auto insurance or any type of liability insurance you may purchase. 

Medical Coverage

Medical coverage is designed to cover hospital bills and other medical bills you or your passengers may incur if you’re injured on your boat. X-rays, medicine, or medical bills would fall under this type of coverage. 

Uninsured Watercraft Coverage

It happens. It’s possible that you may sustain damage to your boat from an uninsured watercraft owner. Uninsured watercraft insurance covers expenses associated with damage to your boat from uninsured watercraft owners. However, like most insurance, there are a wide variety of different coverage options available to you. Our team at Land Home Insurance Services is happy to answer questions about coverage options to help you find the best coverage for your unique situation. 

Does Umbrella Insurance Cover Slander?

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Umbrella insurance through Land Home Insurance Services in Concord, CA offers liability protection to cover expenses in a variety of situations, including if you are being sued for alleged slander. This means you have protection against legal action because of something you said or something you wrote.

To many, the concept may seem quite far-fetched. Imagine you post an unfavorable comment about someone on social media or write a negative review about a business, as a result, you could be sued. In this type of situation, you will be glad you have an umbrella insurance policy in place.

What is Personal Umbrella Insurance?

Personal umbrella insurance in Concord, CA gives you an extra layer of liability protection. It is designed to help with the cost of defending you in court against claims as well as pay for any legal settlements that are made against you.

Typically, umbrella insurance will kick in once you have reached the limits of liability on an underlying insurance policy, like auto insurance or homeowners’ insurance. For example, if someone sues you after being injured while on your property, your umbrella policy will cover any costs that exceed the liability limits on your homeowners’ policy if you are found legally responsible. In cases, such as a slander lawsuit, an umbrella insurance policy can protect you in situations that may not otherwise be covered by the types of insurance policies that you carry.

Types of Defamation Not Covered

While you may not have to pay out of pocket for a legal judgment of defamation when you have an umbrella insurance policy, some scenarios may not be covered. For example, if your slanderous statement was related to a business that is owned by you. You may not be covered if your policy was not active at the time the slander occurred. You make a false statement intentionally that defames someone.

If you have additional questions about your umbrella insurance policy, contact Land Home Insurance Services. Give us a call today.

Do I Need RV Insurance All Year?

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Yes, you should always have coverage of some type that varies depending on the way you’re using your RV throughout the year. The trick is figuring out the best kind of coverage and the provider who can give you the most competitive price. Land Home Insurance Services of Concord, CA can help you determine if you need regular coverage, storage RV insurance, or full-time RV insurance.

Storage RV Insurance

If you primarily keep your RV for summer vacations with the kids, it will spend most of the year in storage. Most insurance providers offer reduced coverage options that lower your premiums when the RV is not in use. The policy will usually keep coverage for the RV as if it is a piece of property, filling the gap that would be left if you tried to rely on your homeowners’ policy if the RV is damaged or stolen.

Full-Time RV Insurance

On the other end, if you’re using an RV as a full-time residence, you will need insurance that goes beyond the standard RV insurance packages. With full-time RV insurance, your policy will include options that are seen in homeowners’ insurance policies. Since most of your valuable items and many personal actions will be inside of the RV, the coverage protects you from risks like a guest’s medical lawsuit while injured in your RV or a thief stealing your valuables.

Get the Right Policy for Your RV Usage

Balancing the different variables of insurance policy coverage options while also hunting for a provider that offers a good deal can be challenging. With the help of us standing by at Land Home Insurance Services, residents of Concord, CA and the surrounding area have potential allies ready to help navigate the insurance world.

Motorcycle Insurance Ins and Outs

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Under certain circumstances, motorcycle insurance can be mandatory. In many cases, even if not mandatory, motorcycle insurance can really save you in sticky situations. We will discuss these situations a bit more below, and give some advice on motorcycle insurance in general. 

If you want to consider getting motorcycle insurance or if you want to review your current motorcycle insurance, look no further than Land Home Insurance Services in Concord, CA, servicing all of these states:

  • Arizona
  • Colorado
  • California
  • Illinois
  • Indiana
  • Iowa
  • Minnesota
  • Michigan
  • Nevada
  • Ohio
  • Oregon
  • Tennessee
  • Washington
  • Wisconsin

What kind of coverage to get

You should definitely always consider certain types of coverage for your motorcycle. Some of these include the following:

  • Liability coverage, which you need in case you hurt another person or driver. You can also use this if you are liable for damage to someone else’s vehicle or property.
  • Coverage in case you are in an accident with an uninsured person. Usually, if you are in an accident, the other driver’s insurance covers your medical and repair costs. In the case that a driver is uninsured, they would be required to cover these costs themselves. In most cases, these costs are too high, so if you are covered, at least you could cover these costs yourself. 
  • Insure yourself for coverage for repairs to your motorcycle. You might need this in case of an accident or if someone damages your parked motorcycle. 

Land Home Insurance Services in Concord, CA can help you pick out the right motorcycle insurance for you. We use several providers and can customize your quote, especially for you and your needs. You can call us or request a quote on our website. 

Boat Insurance Coverage Choices

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If you need boat insurance, we at Land Home Insurance Services near Concord, CA can help you understand your options and ensure you are satisfied with your results.

Agreed Value and Actual Cash Value Policies 

Boat insurance breaks down into two different types, including agreed and actual value policies. They are essentially the same except for how they handle your boat’s value deprecation. The agreed-upon policy will cover your boat based on its value at the time of the policy. This option works best if you have extra money for a policy because your value will not depreciate in the eyes of the policy. 

The actual value is the opposite: you pay less money but lose value on your boat as it ages. This option works best for smaller or low-value ships that wouldn’t cost much to replace. It’s also good if your ship is not likely to fail or go bad on you any time soon. Otherwise, agreed value policies are often the best option, particularly for regular boaters or even professionals. 

Individual Policy Types 

  • Personal Watercraft – Designed for small boats used for fishing or recreation. 
  • Yacht – Boats bigger than 27 feet are called yachts and require different policies. 
  • Sailboat and Dinghy – These policies cover boats that fall under these headings. 
  • PWC Rental – Rental insurance helps protect you if you rent your boat to others. 
  • Boat Clubs – If you belong to a boat club, their policy may protect you. 
  • Professional Insurance – If you fish or charter your boat, you need professional insurance. 

Consider a Policy With Us 

Do you need a boat policy that suits your needs? Then please, call us at Land Home Insurance Services to learn more. We provide policies for many boasters in and around Concord, CA.

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