Things that home insurance doesn’t cover

When you buy your home insurance hopefully you asked questions about what was covered and how much coverage you have. But did you ask what wasn’t covered? Probably not and not knowing can hurt you if one of these perils ever occurs. If you know what isn’t covered you can make other provisions for coverage. The exclusions are listed on your policy but if you haven’t read it you will be unprepared. At WPL Insurance Services in Santa Clarita, CA, we are independent agents who make it our business to reduce the risks to our customers. 


Considering how common floods are it is inconceivable they are not covered on your home insurance but they aren’t. No type of surface water is. If your pipe bursts and floods your house that would be covered. As little as one inch of water can cause thousands of dollars in damage. Flood insurance is available through the National Flood Insurance Program and can cover both your home and your contents. 

Earth movement

This includes earthquakes, mudslides, and sinkholes. All of these movements of the earth are not covered on a traditional home insurance policy. The California Earthquake Authority provides the majority of earthquake insurance in the state. 

Owner negligence

As a homeowner, your insurance company has some expectation you will maintain your home. If you end up with damage as a result of your neglect the insurance company is not going to pay. Treat your home for carpenter ants and termites if they are a danger and repair or replace your roof before it causes damage. 

Expensive jewelry

Your home insurance has limits on the amount it will pay for jewelry. You can buy an additional rider to supplement the amount of coverage you have.

Contact WPL Insurance Services in Santa Clarita, CA if you need information about home insurance. 

Should I have collision and comprehensive auto coverage

Having the correct type of car insurance is important for your peace of mind. Nothing is worse than needing to file a claim and finding out your auto insurance doesn’t provide the correct coverage. In California, drivers are required to carry liability insurance and also uninsured motorist insurance. That makes other drivers feel safer on the road and it does protect you in the event you cause an accident from having to pay out of pocket for the damage you caused to the other driver’s vehicle. At WPL Insurance Services in Santa Clarita, CA we provide reliable service you can count on. 

But what about your car? If you are the responsible party in an accident or if you are the victim of an event over which you have no control, who will pay to repair your vehicle?  If you only have liability and uninsured motorist insurance you will have to pay for the repairs to your vehicle yourself. If you are comfortable with that and have access to thousands of dollars then you don’t need to have collision or comprehensive insurance. 

If however, you are like most people, you need your vehicle to go about your daily life and you probably don’t have the ready cash to pay for the repair yourself. Collision insurance will pay for damage to your car in an accident where you are at fault. Comprehensive insurance protects your vehicle from theft, vandalism, hail, and other things including large animals who run into your path. It also includes glass coverage so you won’t have to drive with a cracked windshield. 

If you are in the market for a new auto insurance carrier  WPL Insurance Services in Santa Clarita, CA is an independent agency and can offer you an extensive choice of top carriers. Why not stop in or give us a call for a free quote. 

Is Product Liability Part of a Commercial Insurance Policy?

Commercial insurance covers many different aspects of your business. Product liability is often included in commercial policies to protect businesses from incurring large amounts of financial debt if a product is proven to be defective. In Santa Clarita, CA, residents can discuss questions and concerns they have about defective products with the agents of WPL Insurance Services. With the right amount of product liability in place, your company will have the protection it needs to survive a claim associated with a defective product.

Defective Products

Defective products can cause a variety of injuries. They can also cause property damage. With the right type of product liability coverage, you will be protected from products that are made from defective materials and poor workmanship. In many cases, if one product is defective, then many others may also be defective. Product liability is essential at minimizing financial loss.

Poor Design

Poor design can lead to a faulty product. By identifying poor design flaws and imperfections, you can reduce your risk of product liability. While this may seem like a fault of the manufacturer, you may not discover the problem until a few units have been sold and your customers file a claim.

Liability Coverage

Liability coverage is an important part of any commercial insurance policy. It is important to talk to your agent about what type of liability your company may require and in what amounts.

At WPL Insurance Services, agents are constantly helping business owners in Santa Clarita, CA find the right commercial coverage. Whether it is liability coverage or product defects, a commercial policy will make it possible for your company to survive a financial disaster. Call and speak to an agent when it is most convenient for you!

Do You Need to Report Home Renovations to Your Insurance Agent?

Remodeling your home is a great way to increase property values and improve the overall quality of life for your family. However, before anyone picks up a hammer or starts coming up with design ideas, it is important to talk with your Santa Clarita, CA insurance agent. Here’s what you need to know.

Why It Is Important to Talk to Your Insurance Agent About Home Renovations

Before you start any projects, it is a good idea to schedule an appointment with your homeowner’s insurance agent. Why?

For starters, having contractors in and out of your home during the process raises the risk of an accident or guest injury from occurring. This is why many property owners opt to increase their level of liability coverage during a project.

Next, any improvements made to your home can increase the value. If there was a sudden fire or another source of major damage, this would make a difference in the replacement cost to rebuild. Certain renovations can also increase the square footage of your home, which also affects coverage. By letting your agent know what’s going on, they can adjust the policy accordingly to ensure your home is totally protected.

Changes in Life Require Changes in Insurance Coverage

Whether you’re looking at adding extra space or just updating the cosmetic look of your home, it is incredibly important to communicate with your Santa Clarita, CA insurance agency. At WPL Insurance Services, we want to make sure your policy meets the needs of your family while providing you total protection. If we don’t know that you’ve made a major upgrade to your home, it makes it harder for us to do our jobs.

Are you ready to learn more about how renovations affect your homeowner’s insurance coverage? Please contact our WPL Insurance Services team today.

Should You Consolidate Your Auto Policy When You Marry?

You have probably heard that you should consolidate your auto insurance when you get married, but if you watch the TV show “The Closer” you probably remember when Brenda and Fritz got married and Brenda found out her auto insurance cost would nearly double if they bundled it. That was because Fritz had not one, but two DUIs he had neglected to mention. While TV often gets the details wrong, in that case, the scriptwriter nailed it. This blog discusses the advantages and disadvantages of obtaining your auto insurance as a couple once you marry, so you know whether to keep your policies separate or not.

True fact: Most married couples do cut their premium costs by combining coverage. 

Getting married reduces your risk in an insurer’s eyes including WPL Insurance Services of Santa Clarita, CA. Married people take fewer chances and their typically safer driving styles are born out in statistics and surveys.

Married folks might save between five to 25 percent on a policy depending on their records and the insurer. You could net a multi-policy discount by obtaining both auto and home insurance through the same agency.

You should keep your policies separate when one half of the happy couple has poor credit, a bad driving record, or drives an expensive vehicle, especially a sports car. 

There is a difference between a speeding ticket a couple of years back and a DUI. The two do not both equal a poor driving record. DUI or DWI on a record reflects poorly on the driver’s responsibility.

Conviction of a DUI or DWI usually results in the driver needing to move to an insurance agency that serves high-risk drivers. They will only be able to obtain minimum coverage. The spouse with no conviction can use any insurance agency and obtain full coverage but will need to exclude the spouse from coverage and bar them from operating their vehicle.

Contact WPL Insurance Services today to find out whether you should combine your auto insurance now that you are a married couple in Santa Clarita, CA. We can help you determine the best alternative and help you cover your vehicle.

Does Commercial Insurance Cover Off-Premises Business Possessions?

In Santa Clarita, CA, just about any home insurance policy is going to provide some protection for the off-premises property. That is, if your laptop is stolen from your car, it’s covered. But, your commercial property insurance might not offer that same protection, or it might offer very limited protection in that regard.

Every business insurance policy is different. Some insurance policies don’t cover any property at all. If your business is all online, for instance, you don’t really have any property to insure, you’re just covering for liability. So a commercial policy is not going to automatically provide protection for the off-premises property.

The only way to be sure is to read your policy, and if you’re not covered, call your agent and see what they can do for you.

You may find that you are offered some protection for off-premises property, but only up to half the limit of the on-premises property. This means that if a truck moving your whole business to a new location is totaled, along with everything in it, you’re only getting half of your investment back. So even if you have some protection, you want to make sure that you have enough.

If you’re shopping around for insurance for your Santa Clarita, CA business, whether it’s a new company or you’re just looking for a new provider, you can call us at WPL Insurance Services, stop by the WPL Insurance Services office, or get in touch through the website. You don’t want to run a business without adequate insurance protection, so get in touch as soon as you can and let’s see what we can do to protect you and your business.

How Often Should You Review Your Home Insurance Policy?

Reviewing your home insurance policy is an important part of making sure you have the right level and type of coverage to meet your needs and protect your present and future. Generally, there are two reasons to review your policy. Either you’ve had a change that you need to incorporate, or it’s simply been a while since the policy’s been looked at. Either way, WPL Insurance Services can help. We want to be sure all our Santa Clarita, CA customers can get the help and support they need, in order to have quality insurance coverage from a company and agents they can trust.

If you haven’t had any changes to your household situation, you can probably have your insurance policy reviewed once every year. That’s a great thing to make time for right around your renewal date, just to ensure you’re getting the best coverage. But if you have changes that take place at other times during the year, you may want to have your policy renewed earlier. That can give you the peace of mind that comes with knowing your insurance policy is protecting you and your loved ones, along with your material possessions. Your agent can give you great advice about what kinds of changes might need policy updates, and the frequency of policy reviews that will be right for your situation.

If you’re ready to have a review of your home insurance policy, contact us at WPL Insurance Services today. Our agents will be happy to answer your questions and give you the information you need to make an informed decision. If you have a home in or around the Santa Clarita, CA area, we can provide the services you’re looking for to make sure your house is properly protected. Then you can focus on all the great things the area has to offer, instead of worrying about protection for your home.

How Much Auto Insurance Do I Need in Santa Clarita?

Drivers in Santa Clarita, CA may not have to contend with the same levels of traffic as their counterparts in downtown Los Angeles, but that doesn’t mean they don’t come up against their fair share of risks. WPL Insurance Services wants to give you a few tips, so you don’t have any regrets about policy. 

Bare Minimums 

The bare minimum of coverage in Santa Clarita will be different for every person. If you own your car outright, you’ll have very different criteria than those who lease or finance it. The main thing to consider though is that the bare minimum may not be enough for you. From liability limits to theft coverage, you may not be addressing all of the potential threats that can threaten you or your vehicle should something happen. 

Assess Yourself 

You’re perfectly free to take on as little coverage as possible in Santa Clarita, CA so long as you acknowledge (and plan for) the risks. If your car is stolen or totaled and your auto insurance doesn’t cover it, will you be able to replace it? How will you pay for excessive damages if your liability limits are exceeded? These important questions are easier to answer when you can talk to someone you can trust. 

Call WPL Insurance Services

Starting a conversation will usually lead to more answers than looking over a sample auto insurance policy will. There’s no way to list every possible event that may happen in Santa Clarita, but you can get a better sense of how you can protect yourself with better coverage. When you talk to our staff, we can start giving you the most common scenarios in your neck of the woods. If you still want to take the chance, at least you’ll know what you’re getting into. 

4 Things To Look For In A Commercial Insurance Policy

At WPL Insurance Services in Santa Clarita, CA, we have seen many cases of business owners ending up with a commercial insurance policy that is not the best for their company. Some of them erroneously pick the wrong policy because they were not duly informed before they made the decision.

So, we want to discuss the things to consider before choosing any commercial insurance policy.

1. Limits of liability

This is the maximum amount an insurance company will pay for a single claim no matter what the situation is. The problem with this is that it may not be enough to fix the problem. So, if you feel the limit is too small, you have two options. Find out if you can increase the limit. If not, then you should look for another policy.

2. Deductible Vs Premium

The deductible is the amount of money you pay out of pocket to fix a covered issue before your insurance company pays the remaining part. For example, if you choose a policy that requires $20,000 deductible. When you make a $200,000 claim, you’ll have to pay $20,000 and your insurer will pay the remaining $180,000.

3. Does it cover all your risks?

You must confirm what the policy covers. For instance, if you run a website development company and you don’t need vehicles to carry out your business activities, you don’t need a commercial auto insurance policy. It is a mere waste of money.

4. The credibility of the insurance company

While we pay claims promptly, some insurance companies may delay your payment, hoping to find a hole in your situation so they can decline your claim. That is why you should purchase insurance from only a reputable insurance company.

To summarize this piece, the things to consider before purchasing any commercial insurance policy are:

  • Limits of liability
  • Deductible vs premium
  • Does it cover all your risks and do you need the coverage it provides?
  • Is the insurance company reputable?

For more information, contact us at WPL Insurance Services in Santa Clarita, CA.

Three things to know about replacement cost home insurance

When you are selecting a home insurance policy, one major decision you need to make is whether you want a replacement cost or actual cash value policy. Both types of policies are available to Santa Clarita, CA through insurance providers like us at WPL Insurance Services.

The following are three things you should know about replacement cost home insurance. 

Replacement cost insurance will compensate you for the full value of completely replacing your home if it is completely destroyed.

If you choose replacement cost insurance, your home insurance provider will need to calculate replacement costs for your home if you file a claim. This means that any depreciation your home has experienced shouldn’t detract from the amount you are compensated for a claim. 

Replacement cost insurance compensates you more in the event of damage than actual cash value policies. 

The primary alternative to a replacement cost insurance policy is an actual cash value policy. Such policy factors depreciation into your compensation amounts. This means that you’ll get less for claims if you have an actual cash value policy than you will with a replacement cost policy. 

Your premium payments will be a little higher if you opt for replacement cost insurance. 

While replacement cost insurance will typically compensate you more, it will also cost more in your monthly premiums. If you’re looking for a policy offering the lowest monthly premiums, you might want to opt for an actual cash value policy. 

If you’d like to learn more about replacement cost insurance or other home insurance options in Santa Clarita, CA, get in touch with us. We’re here to answer all your questions at WPL Insurance Services.