Do I Need Condo Insurance in California?

Living in Hidden Valley Lake, CA has many perks–ranging from beautiful weather and sights to a unique and diverse population complete with a variety of cultures. Even if you are a lifelong California resident, considering condo insurance is often necessary to avoid potential damage or losses, especially with natural disasters such as earthquakes that may occur during your time living in the state. Determining whether or not you need insurance in California can be done with the help of professionals from Allegheny Pacific Insurance Services along with assessing your lifestyle, location, and budget.

Is Condo Insurance Required by Law in California?

Having a condo insurance policy to your name in California is not required by law. However, it is highly recommended from the state and federal levels for all residents of California to hold some insurance coverage for the property in their names.

Why Obtaining Condo Insurance is Highly Recommended in the State of California

The California Earthquake Authority (or CEA) can provide insurance for all types of residences throughout California, including condos. Whenever you are comparing condo insurance and protection, be sure to verify that your policy will protect your condo and belongings inside in the case of a natural disaster such as an earthquake. It is also important to consider the risk of wildfires and mudslides depending on where you are residing in California to choose a policy that protects your assets and property regardless of the type of disaster you may face. Insurance agencies today can provide the insight necessary for you to make the right choice for both you and your family while living in California. 

Want to learn more about potential condo insurance policies that are right for you in Hidden Valley Lake, CA? Give Allegheny Pacific Insurance Services a call today for information regarding coverage and quotes that fit your needs!

How Renovations Can Affect Your Homeowners’ Insurance

Any renovation to your home, whether it’s a do-it-yourself project or you’re hiring a contractor, may require an upgrade to your homeowners insurance.

Renovations will likely increase your home’s value, which means your current coverage may not be adequate. However, some improvements, such as replacing a roof, can make you eligible for premium discounts. Either way, it’s important to make informed decisions before making changes to your home. At Allegheny Pacific Insurance Services, serving Rohnert Park, Riverside, and Hidden Valley Lake, CA, we can help you with details about your homeowners insurance.

Another consideration is the increased liability that a renovation can create, which may be obvious if you’re installing a swimming pool, but not so obvious if you’re transforming a storage room into a home office or adding a wooden deck.

So before launching into a home improvement project, whether it’s big or small, find out how your policy should be updated. It’s vital to protect yourself and the equity in your property by having sufficient homeowners insurance in place that covers unforeseen problems. Would you have adequate coverage if the section of your living room the contractor tore out includes a load-bearing wall, for example, or if the new bathroom you added upstairs leaks water due to a faulty plumbing installation?

Many people don’t think about their homeowners insurance until they need to file a claim. Even having a construction team working in your home can leave you vulnerable to liability concerns. There are options to discuss with your insurance carrier regarding any renovation to your home.

For more information and details about your insurance, contact Allegheny Pacific Insurance Services. We provide services to residences of Rohnert Park, Riverside, and Hidden Valley Lake, CA, along with other areas throughout the region. We understand the potential problems that can arise during and after a home improvement project, and we’ll make sure you have the right coverage before you get your home renovation project underway. For online quotes, try our online rating tool for auto and home insurance.

Commercial Insurance in Sonoma County, CA

Commercial insurance consists of a variety of ways to protect a business, its property, its assets, its employees, and more. For example, commercial insurance often includes property insurance that will cover property damage. Worker’s compensation is another part of commercial insurance and this covers any job-related injuries of employees. For construction businesses, they would require insurance on machinery in the event it breaks down. If you own a storefront with glass windows, you can even get them insured in the event someone decides to throw a rock through the windows or a storm sweeps through and debris strikes them. There are too many scenarios to list here and that’s why every commercial policy is unique.   

In Sonoma County, CA, businesses need to be insured in the event something out of their control happens; a theft, a slip or fall, an injured employee, or another type of event that could suddenly leave you liable. Without the proper insurance, you could lose your business. To make sure you have the proper commercial insurance for your business, contact Allegheny Pacific Insurance Services today. They serve the Sonoma County, CA area and help local businesses find just the right commercial policy with all the right coverage at an affordable price. They will help you compare policies, answer all of your questions, and get you as many discounts as possible. To speak with a friendly, knowledgeable insurance agent at Allegheny Pacific Insurance Services today about a new or existing commercial insurance policy, call 916-389-9332 or 707-540-6106. Protecting your business is a long-term investment that starts with the right commercial insurance policy.  

 

 

 

 

Cruising the Coast: Top Road Trips In CA

So you just got your policy through Allegheny Pacific Insurance Services and you’re ready to hop into your car and explore all of Sonoma County, CA and beyond. Here are three of the very best road trips to take in California:

Santa Barbara County

Santa Barbara is one of the most beautiful beach communities in the world, sloping off the mountain range down towards the sea, you can see the ocean from just about anywhere in town. Santa Barbara can be a little pricey, so if you’re traveling on a budget, the artsy and quaint little town of Lompoc near Vandenberg Air Force Base should be on your checklist. Grab some coffee at Southside Cafe and cruise over to Surf Beach to take in the sunset.

Nevada City

You’ll find Nevada City just north of Sacramento. This is a little California town where the sixties never died. The art and culture on display here are breathtaking, and there’s plenty of history to view at sites like the Railroad Museum. Nevada City was a hot spot in the gold rush days, and you might actually find a few nuggets in the stream. Nevada County is great for outdoorsy types.

Imperial Beach

Imperial Beach is one of the southernmost cities in California. If you live in Sonoma County, this is just a great excuse to take in the full length of the California coastline. The city is about sixty to seventy degrees all year round, making it a perfect Winter destination.

Just make sure you’ve got your insurance policy in order with Allegheny Pacific Insurance Services in Sonoma County, CA before you head out. A minimal policy may work in your hometown, but it’s a long trip going up and down the coast. Once you get out there, you never know what might happen. Give our agents a call today to discuss your auto insurance policy.

Differences Between Home Insurance and Home Warranties

If you are buying a brand new home, it may come with a warranty or you may consider buying one in addition to your homeowner’s insurance policy. However, this may leave you wondering if you need home insurance or what the differences are between home insurance and a home warranty. Here is some information on what is covered under both types of policies.

Home Warranties

Home warranties protect many things in the home that home insurance does not cover. This includes items like appliances, including dishwashers and hot water heaters. Other things that are typically covered are items that are typically the homeowner’s responsibility to maintain under home insurance policies. This includes items like the roof and HVAC unit.

Home Insurance

Home insurance helps to protect the structure of your home. If it were to burn down in a fire, home insurance would pay for your home to be rebuilt or repaired. If hail damaged the siding of your home, home insurance would pay to replace the siding. Additionally, home insurance protects you against things like theft, and lawsuits in regards to injuries that people sustained on your property.

Home warranties and home insurance policies cover different items in your home As such, you can have both types of policies without seeing much overlap.

When you are in the market for a home insurance policy in the Sonoma County, CA area, call Allegheny Pacific Insurance Services. We would love to explain to you the differences between home insurance and home warranties, and how they may both be beneficial to you in different ways. Call us now so we can answer all of your questions.

Understanding the Risks of Insufficient Auto Insurance

Getting adequate auto insurance is a must to protect your interests. Many California drivers opt for the minimum in order to keep insurance costs down. Minimum insurance requirements, however, may be insufficient to protect your assets if you’re involved in a serious accident.

At Allegheny Pacific Insurance Services in Sonoma County, CA, we can help you understand the risks of insufficient auto insurance so you can avoid costly mistakes that can hurt your future.

Bodily Injury Liability

Bodily injury liability coverage pays for medical expenses of others in an accident where you are at fault. Going with minimum liability insurance in California could compromise your protection as you would be responsible for expenses that go beyond these limits. In the event you cause a serious accident resulting in major injuries to a third party, you could be sued for additional medical costs.

Uninsured/Underinsured Motorists

The high rate of uninsured/underinsured motorists on the road makes this coverage important to protect your interests. If you’re hit by someone with insufficient auto insurance, this coverage helps pay for damages you suffer in the accident. This includes hit and run collisions and accidents you incur as a pedestrian.

Collision

If you own a new car, collision coverage is a must to protect your investment. New drivers can also benefit from this coverage due to their lack of experience on the road. By getting a high deductible on collision coverage, you can save money on your premium.

Personal Injury Protection (PIP)

PIP pays for your medical expenses in the event of an accident. If you have good health insurance, minimum PIP coverage may suffice which will help lower your insurance costs.

For more information on adequate auto insurance coverage that will protect your assets, contact Allegheny Pacific Insurance Services, Sonoma County, CA. 

Buying and Selling Sonoma County Homes

If you know the market, if you know a thing or two about fixing a house up and improving its market value, then Sonoma County, CA may be one of the best cities in the world to make a living flipping houses, buying old fixer-uppers, investing in repairs, and putting them back on the market. Insurance can be a tricky area to navigate, however. Allegheny Pacific Insurance Services can help connect you to a great policy, but what kind of insurance services do you need in the first place when you’re only staying in the home long enough to fix it up?

  • You may need to invest in insurance beyond the home itself. If you are employing laborers to help you fix the home up, you may be looking at workers’ compensation and other insurance policies to cover the costs of doing business.
  • Set a realistic timeframe. You don’t want to be paying the month-to-month lease on your equipment because you thought you could finish a six-month job in two months.
  • Even in an economic downturn, you do see a lot of people buying renovation insurance in California, so your provider probably has some special policies and discounts. When you talk to Allegheny Pacific Insurance Services, make sure to ask your potential provider what they can do for you.

Sonoma County, CA is one of the most beautiful places in the world. This means that whether the economy is in good shape or poor shape, people will always be wanting to move here. If you’re a smart entrepreneur, if you know a little bit about construction, it’s not difficult at all to capitalize on that.

Keeping Your Lake Home in Hidden Valley Lake, CA Safe

Your home is the largest investment you will ever make.  If something happens that damages or destroys the home, homeowner’s insurance policies protect you and let you recover more quickly.  Typical policies not only cover damages to the home’s physical structure but also the policy holder’s personal property and other structures that are located on the property, such as shed and fences.  They can also provide funds to cover additional living expenses if the home is inhabitable due to a disaster.  This can be used to cover hotels and restaurants.  Policies also provide personal liability protection should someone be injured on the property if the homeowner is deemed responsible. This covers the injured person’s medical expenses related to the injury. 

All risk and named perils are the two major types of homeowner’s insurance policies.  All risk policies cover every event unless it is specifically excluded in the policy.  Named perils policies specifically outline the events that the policy will cover.  Each policy will state whether it provides for the cost of replacement or an actual cash value.  If a home is destroyed or damaged, the policies that provides for a replacement will allow the owner to quickly rebuild or make repairs.  While it will not include the land’s value, it will set a figure based on current construction costs.  Policies that states they will pay actual cash value will pay for the cost to repair or rebuild less the depreciation costs. 

The professionals at Allegheny Pacific Insurance Services draw on their industry knowledge every day to help customers through Sonoma Country get the type and level of coverage they need.  Visit their website to get a quote, them give them a call or visit.  Your home is too important to leave unprotected in Hidden Valley Lake, CA.

Home Insurance in Sonoma County, CA

Your home is more than just a dwelling space; it’s also the place you spend the most time building memories with your loved ones. Home is where the heart is, and yours deserves to be protected. Don’t wait until your Sonoma County, CA home is damaged by an earthquake or broken into by a masked stranger–now is the best time to make sure that your home insurance coverage will help you protect your assets and recover at least part of your losses.

Home insurance is the safety net you and your family can rely on in the case of tragedy. Not only does it protect against damage from the potentially-severe weather of a coastal state like California, but it also covers you in cases of theft, fire or other home damage. From a liability standpoint, your home insurance also protects you in the case that someone has a serious accident or is injured somewhere on your property.

In addition to providing you with peace of mind and a financial back-up for disasters, all Sonoma County, CA homeowners are required by state law to carry a home insurance policy that meets set coverage minimums. If you’re not certain exactly what kind of coverage you’ll need to meet state requirements, the knowledgeable staff at Allegheny Pacific Insurance Services can help.

If you’re purchasing a new home and need home insurance to obtain a mortgage, or if you’re an existing homeowner with an interest in improving your coverage, the friendly insurance experts at Allegheny Pacific Insurance services can help you craft the best home insurance policy for your needs. Contact us today with any questions you may have, or to learn more about your coverage options and minimum California coverage requirements.

How to Stay Prepared for a Disaster by Creating a Home Inventory

Everyone who lives in California knows earthquakes happen, but many people dismiss the possibility of one occurring until it’s too late. After disaster strikes, it’s nearly impossible to remember all of the possessions you had in your home. Taking the time to create a household inventory comes in handy if your area suffers an earthquake. Completing a home inventory helps you establish a record of the items in your home and their values, in addition to the serial numbers to electronics and large appliances. After completing the home inventory, you’ll have a good idea of the value of the items in your house, which helps you determine whether your home insurance coverage is adequate, or helps you select an appropriate policy.

Get multiple quotes from the comfort of your home by using your smartphone. Get the Insurance Agent application for Android or iPhone and search for Allegheny Pacific Insurance Services, Inc., which serves Sonoma County, CA, as well as surrounding cities.

Home Inventory Tips

Track your inventory with ease by using a mobile application, created by the National Association of Insurance Commissioners, for Android and iPhone users, entitled MyHOME Scr.APP.book. If you don’t use the mobile application, grab a notebook and a video camera (if you’d like, you can use your smartphone). Go around your home and videotape the items in your home. You can also take pictures for additional evidence. After taking pictures and video, get your notebook and write down the serial numbers or model numbers of electronics and appliances. Make sure to store your notebook and media in a secure place, such as a safety deposit box. Try to repeat the home inventory process a few times a year, so your information is always current.

Additional Earthquake Insurance Information

Each earthquake insurance policy is different, and it’s important to fully understand the agreement you’re making or have already made. Serving Sonoma County, CA, Allegheny Pacific Insurance Services, Inc. can help you determine the adequate coverage limits for your property and belongings, or better understand your existing policy.