Commercial Insurance: Protect Your Business

A Santa Clarita, CA business must remain protected at all times. There is no shortage of issues that can come up on an everyday basis, and no company wants to be left playing catch up. Any business that is looking to avoid the usual pitfalls that are associated with a lack of protection will want to make sure that they are meeting with WPL Insurance Services agents. 

The advantages of a commercial insurance policy are numerous. The time has come for a closer look at the protections that they can offer to any business.

Protection of Assets

When a disaster strikes, a business may be left to its own devices for an extended period. This causes their available assets to dwindle. While misfortunes cannot be prevented in most instances, that does not mean that the business should decide to fend for themselves. A commercial insurance policy ensures continued protection of all assets. 

Specific Packages

No two places of business are ever going to be exactly alike, and this is something that the top business owners will always bear in mind. Commercial insurance policies are designed to meet the specific needs of each company and offer proper reassurance. Some may choose an all-encompassing policy. Others may decide on a policy that is a bit more specific. 

Protection From Weather-Related Disasters

These disasters are impossible to avoid and will leave a business without the ability to operate as usual. A commercial insurance policy that protects against fires and earthquakes is pivotal for any California business that is looking to thrive over the short term and the long haul. 

To find out more about the benefits of commercial insurance for a business in Santa Clarita, CA, be sure to contact WPL Insurance Services as soon as possible. Contact our agents for further information and learn how you can get a quote. 

Should You Adjust Your Home Insurance?

Your home is probably your biggest investment, and you want to make sure it’s properly insured. But there may be times when you need to make adjustments to the insurance on your Santa Clarita, CA area home. At WPL Insurance Services, we can work with you on any policy changes you need to make. How do you know if changes are needed? We can help with that, as well. We’ll answer your questions so you can make an informed decision. Then the adjustments to your home insurance policy will be the right ones, and you can feel secure about them.

Why would you want to make adjustments? There are plenty of reasons. If you make significant home improvements, for example, you may need to raise the coverage limits you have because the value of your house could be higher. You may choose to lower your coverage limits if you pay off your mortgage since you’ll no longer be required to carry insurance by your lender. No matter what you’re considering doing with a home insurance policy adjustment, talking to your agent to address your choices and make the right decision is very important.

At WPL Insurance Services, we want to make sure your Santa Clarita, CA area home is properly protected at all times. Reach out to us today, and let’s talk about the policy you have. Is it the right one? Should you make some changes? We want to answer your questions, so you can feel confident and have peace of mind about your insurance policy. That’s what insurance is for – to protect your investment and help you feel secure. We want to make sure we’re a part of that, and we’ll work with you to get the home insurance you need and make changes that will benefit you in the short term and the long run, too.

Adding Your Teenager to Your Auto Insurance

"Can I borrow the car, Dad?". 

If this question is about to happen – all the time – you need to add your teen driver to your auto insurance policy. But you may be wondering how this will affect your policy? That depends on a few factors. Read on to learn what you need to know about adding a teen driver to your auto insurance in Santa Clarita, CA.

Adding a Teen Driver and the Impact on Insurance Rates

Insurance rates are based on the statistical probability of a driver getting into an accident. Unfortunately, teen drivers fall into the area of most likely to crash. The numbers simply aren’t on their side. Because this group poses a higher risk to insurance companies, you can expect your insurance rates to climb when you add one or more teen drivers to your policy. To help ease the cost, there are some ways to get a discount on your rates. First of all, have your teen take a certified safe driving course,. Then, see about getting discounts for good grades and fit your vehicle with a telematics device that measures how well your teen is driving. 

Learn More About Adding a Teen Driver 

The team at WPL Insurance Services is here to help you and your family add your teen driver to your auto insurance policy in Santa Clarita, CA. Our friendly team of reputable agents will answer all your questions and concerns and help you find ways to save money on your insurance rates. Adding a teen driver can be a stressful time, but it is a necessary step to take as kids grow up. Call WPL Insurance Services today for help. 

 

 

Commercial Insurance is Just Good Business

Owning a business in Santa Clarita, CA for some people might merely be a vocation they chose. For others, it could be about leaving a family legacy but for everyone, it requires a commitment and an investment. Protecting that investment and making a smart commitment to your business is what commercial insurance is all about.

Protecting Your Business

While there are many benefits to business ownership a big concern is the increased risk that is inherent with ownership. Criminals and those will ill intentions now have an even bigger target and one way to dissuade such would-be threats is with commercial insurance from WPL Insurance Services.

When evaluating your business needs, we will sit down with you and discuss your operations and your concerns in detail. Where are your risks, where is your business most vulnerable? Getting the right commercial insurance will mean a policy that covers your assets and your business while offering you peace of mind. Having commercial insurance isn’t merely good business but it is also smart.

It’s Just Smart Business

If you are looking for commercial insurance in the Santa Clarita, CA area or would like to discuss your business insurance needs, we would like to talk to you. Our professional and experienced agents will work with you and your business to find a plan that keeps you protected and your business safe. 

Call or stop by today to find out how WPL Insurance Services can help or to get more information about commercial insurance. It doesn’t matter if you have a family business, a franchise, or work as an independent contractor, commercial insurance is just smart business.

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.