5 Tips to Prepare Your Home for Summer

With hot weather fast approaching, now’s a good time to prepare your home for summer. The following tips from WPL Insurance Services will ensure your Santa Clarita, CA home is in tip-top shape for family gatherings and holiday fun.

Service Your AC

Before summer heat hits in earnest, test your AC to see if it’s running properly. If your unit isn’t cooling your home as it should call your HVAC specialist for an inspection and servicing. You want your unit to be fully operational before family and friends start arriving for the summer holidays.  

Check Your Foundation and Roof

Summer heat can be accompanied by rainstorms that can damage your home if there are cracks in your foundation or leaks in your roof. Take time to inspect your foundation, exterior walls, and roof and make any necessary repairs so you’ll be prepared for summer rains. Don’t forget to clean your gutters as well so water doesn’t accumulate on the roof and warp your shingles.

Bug-proof Your Home

Protect your home from bugs by sealing windows and doors and making sure food is stored properly so as not to attract roaches or ants. If needed, call in pest control pros to safeguard your abode against annoying bugs.

Clean, Clean, Clean

Give your home a good cleaning to start summer off with a bang. Deep clean your bathrooms, kitchen and garage, decluttering as you go. Wash windows, clean ceiling fans and shampoo your carpet. You could even touch up your walls with a fresh coat of paint to make the interior look like new.   

Update Your Home Insurance

Update your home insurance to ensure your abode is well protected against any eventuality. For customized home insurance coverage that fully protects your Santa Clarita, CA home, contact us at WPL Insurance Services today.

Understanding Renters Insurance in Santa Clarita, CA

When you rent an apartment or home for the first time, you may not be thinking about how to protect your belongings from theft, fire and other events. However, it’s one of the first things you should look into. You can buy renter’s insurance as soon as you move in and may want to compare the cost of insurance before making a final decision on an apartment. Feel free to call your WPL insurance Services agent with any questions you have. In the meantime, here are the basics on renter’s insurance.

What Is Renter’s Insurance?

Renters’ insurance, also called tenants’ insurance, provides some of the same benefits as homeowners’ insurance. However, it doesn’t cover the dwelling structure except for small alterations made by the insured tenant.

What Is Covered by Renter’s Insurance?

One benefit of renters insurance is that it covers you if your apartment becomes damaged by water or fire, as well as any covered peril–you even get temporary living expenses. Similar to many homeowner’s policies, renters insurance includes liability coverage. Liability insurance protects you if someone is hurt while working on your apartment or visiting you. It even pays for legal expenses if you have to go to court.

Damage due to flooding and earthquakes require special policies. They are not covered under renter’s insurance. Ask you WPL Insurances agent about flood and earthquake insurance if you live in an area prone to those hazards.  For flood insurance, check out the National Flood Insurance Program and research whether your apartment lies in a flood zone.

Always review your policy carefully. If a hazard isn’t listed, it’s not covered–don’t assume something is included. For example, If your policy doesn’t say it covers water damage from bad plumbing, you aren’t covered for it.

Who Needs Renter’s Insurance?

You may need personal property coverage to reimburse you if something happens to your belongings or to someone else’s property. It depends on how much your belongings are worth and whether you have enough money to replace everything out-of-pocket. Ask your WPL Insurance Services agent to set up an appointment for your renter’s and other insurance needs in Santa Clarita, CA.

3 Motorhome Insurance Facts You Should Know

A motorhome isn’t just a vehicle for the people within it. It’s often a place where they keep their most valued possessions. If you own a motorhome or are thinking of purchasing one, find out more about how insurance works in Santa Clarita, CA.

Your Motorhome Usage Matters

Your policy will depend on how exactly you use your motorhome. If you’re using it primarily as a house, then your coverage will need to include the vehicle as well as everything inside. You may also want to consider what you will do if you can’t use your motorhome due to extensive damage. If you need temporary living assistance, such as a place to stay while your motorhome is in the shop, you need to ensure this protection is in place with your carrier at the time the policy is drawn up. 

Your Limits Are Crucial 

Motorhome owners need to be comfortable with the limits on their coverage, but not everyone takes the time to examine their individual limits. These numbers represent the highest level of coverage for different events. However, some policy limits may not be helpful in the case of extreme circumstances. If you’re not sure how your limits work, WPL Insurance Services can help explain them to you.

Your Carrier Can Help 

A motorhome insurance carrier who understands your individual needs can really make a difference in your life. If you live in Santa Clarita, CA and need help choosing the best possible policy, call WPL Insurance Services today. We’re here to listen to you and give you the straight facts on both required and additional coverage. Whether you’re on the road for one month of the year or 12, contact us today so we can help. 

Five Unusual Perils You Might Not Know Your Homeowners Insurance Probably Covers

Many Santa Clarita, CA homeowners have never taken a close look at their homeowner’s insurance policy, and probably don’t know everything it covers – the premium, deductible, and the limits of coverage both for the structure and belongings inside getting all the attention. If your house is damaged by a storm or catches on fire, you expect that to be covered by your WPL Insurance Services policy, same as if a drunk driver crashed their SUV into your dining room or if burglars hauled away all of your electronics. But aside from the typical types of claims that your homeowner’s policy covers, there are other unusual events that your current policy probably includes.  

  • Food spoilage – Power outages are often caused by weather-related events such as rain, lightning, high winds, ice storms, or flooding, all damages covered by your insurance policy. When the power goes out due to a major storm, you may often have spoiled food in your refrigerator, freezer, and pantry.  When a weather event produces a blackout that causes damage to your home, it makes sense to look into including spoiled food in your claim. 
  • Trees, plants, and grass – Curb appeal is important, so how would you feel if someone drove their car over your pristine turf or mowed down your favorite tree? Landscaping can be expensive, so it can pay off to find out if yard damage is covered by your home insurance. 
  • Defamation – Not everyone gets along with their neighbors. Nastiness may begin as a few unkind words tossed over the fence, but can often escalate into accusations of defamation and a civil suit. If you are accused of defamation, check out whether your homeowner’s policy will cover your defense. 
  • Dorm Room Burglary – If you’re a Santa Clarita, CA homeowner with college-aged children, you’ll be happy to know that your home insurance policy may cover the theft of their belongings when they’re away at school. There may be age restrictions for this coverage, and may only include protection for on-campus housing.  
  • Wild Animal Damage – An animal stampede might seem like an unlikely peril, but it’s more of a risk than you might think. Imagine what a family of raccoons could do in your attic, what a bear might do to your enclosed porch, or a herd of deer could do to your favorite rose bushes. Coverage generally does not include damage caused by pets or domesticated animals.

Do you know everything your homeowner’s insurance policy covers? Give WPL Insurance Services a call today and find out.

When Shoud You Choose The Maximum Amount Of Collision Insurance?

Most people with a vehicle, especially a newer model vehicle, know the value of full coverage insurance. Also, you may not know when you should choose the maximum amount of comprehensive coverage available to you. Learn more about what coverage options are available to prevent financial loss during a covered event. 

Selecting The Highest Amount Of Comprehensive Coverage

In instances where you have a high ticket vehicle, or you are the owner of a rare collector’s car or truck, you may want to opt for the highest deductible option. In some rare cases, you may even need to purchase umbrella insurance or specialty auto insurance. Speak with your auto insurance agent to find out which level of comprehensive coverage will best fit your needs. 

Working With A Knowledgeable Agent

If you are serious about getting the right policy and avoiding costly gaps in coverage, you need to work with an experienced agent from an established insurance agency. They will guide you through the process and present options that suit your lifestyle and your current needs. Don’t guess about the level of coverage you need for your auto insurance. If you are a resident living in or around the Santa Clarita, CA area, you should consider working with WPL Insurance Services to get the most out of your coverage. 

Know the facts about your insurance coverage by working with agents with experience and industry insight. WPL Insurance Services is proud to serve people living in the Santa Clarita, CA area. Call or stop by to speak with one of our agents today. Get started protecting your vehicle and get the peace of mind you need while on the road. 

Why Commercial Insurance Protects Your Small Business

If you have a small business in the Santa Clarita, CA area or are looking to begin operation on one, you should consider purchasing commercial insurance. Many small businesses have found this insurance to be beneficial when protecting their dream. WPL Insurance Services has a commercial insurance policy to fit your needed coverage. 

Liability

Every year, thousands of small businesses succumb to the financial strains of liability and lack of insurance. Commercial insurance protects your business by providing liability coverage. Generally, these claims are for the unforeseen accident where a client has suffered some form of bodily injury while on the business property or during services.

Take your liability coverage one step further and include cyber liability. With electronic databases being available and stored through online servers, protecting client data requires coverage from hackers who illegally access your sensitive information for malicious reasons. 

Property Coverage

Damages to your business property can also be covered with a commercial insurance coverage policy. In this portion of your plan, all of your furniture, equipment, and any other property associated with your business is covered if damaged during an unforeseen incident. Whether the damage is the result of theft or something else like fire or vandalism, your property is covered under this policy. Attempting to refurbish property without commercial insurance can be an expense that can change the financial stability of your business.

If your business property includes the use of vehicles, including auto coverage on the policy is essential, as your liability and potential for damage can increase with the use of automobiles. 

Get Covered

Protect your small business investment and your dream by purchasing commercial insurance. WPL Insurance Services proudly serves the Santa Clarita, CA area, providing small businesses commercial insurance that gives them security and peace of mind. 

Do I Need to Have Home Insurance?

Owning a home is considered to be a great long-term investment option. When you do own your own home, it is important that you carefully protect your property as much as possible. One big part of this is to have a good home insurance policy in place at all times, and there are several reasons why you need to have home insurance on your property at all times.

Provides Valuable Protections

When you buy a home, you will need to make sure that you adequately protect your asset. The best way that you can do that is with a home insurance policy. The standard home insurance policy can give you protection against storm damage, fires, theft, vandalism, and many other situations that can cause a financial loss. You will also receive some personal liability coverage that will help you out if you are ever sued for liability if someone is hurt on your property. 

Requirement in Agreements

There are a variety of situations in which home insurance will also be a requirement in a formal agreement. If you end up taking out a mortgage to buy the home, the bank will make you carry home insurance on your property as long as there is a balance still on your loan. Also, if you live in a condo association, you will normally be required by the agreement to carry some level of coverage to protect the property and give you liability coverage. 

If you are examining your home insurance needs in the Santa Clarita, CA area, you should reach out to WPL Insurance Services to discuss your needs further. The team at WPL Insurance Services can help you by providing you an overview of your insurance options and needs to make sure that you are properly covered. 

7 Great Reasons to Update Your Auto Insurance

Your auto insurance is important, and you want to make sure it is protecting the investment in your vehicle the right way. One of the best ways you can do that is through periodically updating your Santa Clarita, CA auto insurance through WPL Insurance Services. With the right company and agent behind you, you can keep your insurance up to date and ensure that you have the coverage you need. Auto coverage and rates can change for a number of reasons and in a lot of different circumstances, so periodically reviewing your insurance is a great way to make sure you have what you really need for your vehicle’s protection.

  1. You got married or divorced
  2. You gained or lost a driver in your household
  3. You moved to a new location
  4. You changed cars or want to change car coverage
  5. You have not checked your insurance rates in a while
  6. You completed a driver training or safety course
  7. Your credit has changed significantly

Nearly everything about your auto insurance can be affected by changes to your household. A lot of people do not realize that, so they have the same policy with the same coverage limits for years and years. They do not necessarily understand why their premiums change, and they may not have up to date information on their policy, either. That can cause problems for anyone who makes a claim, since auto insurance requires accurate information to remain valid. By working with us at WPL Insurance Services, we can help you, and others in the Santa Clarita, CA area have the vehicle insurance they need and want. We are here to help, and want to make sure you have the right level of coverage and proper information on your policy, to avoid any future problems with claims.

Who will require me to have commercial insurance?

If you are a small business owner, you likely know that many important decisions need to be made regularly concerning the operations of your business. One important decision that you will need to make is when you are deciding on a new commercial insurance policy. Commercial insurance policies are typically required by a variety of different organizations and choosing the right type of policy is essential.

State Requirements 

If you own a business in which you have an employee, you will be required by the state to carry some level of commercial insurance. The state of California will require that you have a worker’s compensation insurance in place. This type of insurance will ensure that your employees have access to the coverage they need if they are injured while at work.

Bank Requirements 

Another situation in which you will be required to have commercial insurance is if you have a lender or a bank loan. Most small businesses today do try to take advantage of working capital lines of credit and other types of loans. If you do take out a loan, there are certain requirements that need to be met. One requirement you have to meet is to maintain commercial insurance. This will typically include having a full liability policy in place. It will also require having property insurance in place if you take out a business loan to purchase the building.

Even if you do not have any employees or have any other obligations to carry commercial insurance, having insurance for your business is always a good idea. If you have a business in the Santa Clarita, CA area, one great company to speak to would be WPL Insurance Services. When you meet with WPL Insurance Services, the team of professionals can help any Santa Clarita, CA area business owner better understand their insurance needs.

How Much Home Insurance Do You Need?

Home insurance can be difficult to price out if you are not sure how to do it or unsure of how much you need. Not only that, it can be complicated to figure out because of conflicting strategies that people use. It is one of those things that people get easily confused about and a lot of people actually do not have the right amount of insurance for. It is a mistake that can be costly at the moment as you pay the bill for it or in the future if you ever need it in Santa Clarita, CA. Use this guide from WPL Insurance Services to make sure you get the right amount of coverage.

What to look for with home insurance 

There are two ways to look at home insurance: the cost to rebuild and the cost of the items you own. Those are the two things you want to take into consideration when thinking of coverage amounts. It may be hard to figure out the value of what you own but you should do a rough estimation and list out the most expensive items in the home. Next, when considering the amount to rebuild, you should not think of this as the same as the value of the home. The value can change over time from higher to lower depending on the market. Because of this, it is unreliable. Instead, you want to know how much it would cost to rebuild so you can rebuild if it is necessary for the situation.

Now that you know what amount of coverage you should be getting, the next step is to actually get the coverage. Be sure to reach out to us today at WPL Insurance Services, serving Santa Clarita, CA, to get your free quote and get coverage as soon as possible.