Protect Your Transportation: Protect Your Car

Being in an accident can impact so many areas of your life that having good insurance is like carrying a safety net that catches you when you fall. When you insure your vehicle, you protect your ability to get back to work and move on with the rest of your life. You have fewer risks to face and more support getting back on your feet. Policies that offer full coverage will include collision, comprehensive, liability, medical, and much more. There are a full array of options available when choosing auto insurance. Being educated on these topics is the most important aspect. Knowing what events you are covered for and not can help you when the time comes to file a claim. Make sure that your vehicle has the proper protection so you will be covered, whether you are in LA or Santa Clarita, CA.

How to Protect Your Vehicle

Accidents happen; many of their long-term consequences can be reduced with wise planning ahead of time that softens the blow of the unexpected. This means taking a little time and discussing your auto insurance needs with experienced and knowledgeable agents like ours at WPL Insurance Services. We’ll show you the most up-to-date information on insurance policies available from companies you recognize, like The Hartford, Nationwide, Travelers, Progressive, MetLife, and many more.

We are a local company serving the Santa Clarita, CA area and we know California law. For instance, did you know that state law requires that good drivers who meet state requirements qualify for a respectable discount on their premiums? So your insurance planning will not only serve to protect you should the unfortunate ever occur in the future, but it will also reward you now for your driving record. This is great news that many drivers aren’t aware of, and we may have even more tips like that for you, so contact us today. The agents at WPL Insurance Services can work with you to help you build an auto insurance policy that fits your needs. Contact us for a quote.

5 Things to Know About Commercial Insurance

Understanding commercial insurance is very important for your Santa Clarita, CA area business. Whether you require this type of insurance, need help determining what level of coverage you should have, or are just looking for protection for your new business, you can get the right policy and the information you need at WPL Insurance Services. Our agents are dedicated to helping you get the right coverage for your business, so you can protect yourself and also have peace of mind. Here are five things you should know about commercial insurance before you get your policy.

  1. Not all businesses need commercial insurance but don’t just assume yours doesn’t.
  2. The type of coverage you need can be very different, depending on the kind of business you have.
  3. Your policy needs will change over time, and you should review and update your policy periodically.
  4. You may need supplemental policies to protect your business and customers fully.
  5. Working with the right agency for your policy can make a big difference in feeling secure.

No matter what kind of company you have or how long you’ve been operating, reach out to WPL Insurance Services for your Santa Clarita, CA area business. We can help you find the right policy for your needs. By working with a number of different companies, we can offer you options to consider. Then you’ll have the knowledge you need and want to make sure you’re choosing the best coverage. Your commercial business will be protected, and so will your customers. It’s a great way to have peace of mind and security, and we want to be a part of that. Get in touch with us today to get started on finding the commercial policy that truly meets the needs and goals of your business.

Will my home insurance cover my jewelry and collectibles?

At WPL Insurance Services, we help our clients in Santa Clarita, CA protect their homes against losses so that they can live their day-to-day lives knowing that if anything were to happen, their valuables would be protected. The protection covers losses that happen because of fire, burglary, and vandalism, generally, and can cover everything from clothing to your dining room set. Items like jewelry, artwork and other kinds of collectibles are considered unique and may not have enough coverage.

Many people may assume that their jewelry is automatically covered under their policies, as long as they make sure to keep an inventory and the receipts to prove the value of the jewelry. However, jewelry and other kinds of higher-end valuables often receive limited coverage under a basic homeowners insurance policy, which is meant to insure standard losses.

The limitations are usually spelled out in the contract, which has the basic policy limits and which also often details the limited coverage on extraordinary items like jewelry and artwork. It is essential to go over your contract with your insurance agent very carefully. You may also be better off having an appraisal on hand so that you have additional proof of the value of your items. If you need more coverage, you may be able to purchase a policy with higher limits, or you may find it easier to obtain coverage that specifically protects your most valuable items.

Some of the most important items to you may not have adequate coverage. If you would like to obtain more protection for your jewelry or other collectibles in Santa Clarita, CA, please call WPL Insurance Services today.

How to Choose the Right Auto Coverage

Choosing the right auto insurance in Santa Clarita, CA will help you save money and make sure you are covered in the event of an accident.

When choosing car insurance, look at your overall financial picture. You want to be able to afford your deductible and premiums comfortably, but if you are a homeowner or have a lot of financial assets, you may want to increase your liability coverage over what’s required. If you are financing your car, the loan or leasing company may require you to have both comprehensive and collision coverage on your policy. You may also want to add gap coverage if you are still paying off your car so you aren’t stuck paying for a car you can no longer drive.

There are some things you may not need to add to your coverage, depending on your situation. If you have health insurance, you may not need to add medical payments coverage. Check to see if your health coverage will pay for any accident-related medical expenses.

Other factors for determining car insurance include your driving ability. If you are a cautious driver, you can have a higher deductible. Your driving habits can also play a role. If you have a heavy commute, you may want more protection.

When you choose insurance, you will have to set the right deductible. A higher deductible means you will pay more out of pocket if you are in a car accident, but also that your premium will be lower.

Make sure to do an annual review of your car insurance with your agent at WPL Insurance Services. If you have changed jobs or work at home, you may be driving less and may qualify for a lower premium.

Contact an agent at WPL Insurance Services in Santa Clarita, CA to get a quote on auto insurance or try our online rating tool.

 

Types of Commercial Insurance

From the day you start a business as an entrepreneur, you expose yourself to specific risks. A firm is at risk even before the first member of staff is hired. Therefore, the right insurance is needed to protect your company from these risks.

Professional insurers like WPL Insurance Services located in Santa Clarita, CA offer a wide range of commercial insurance coverages that can protect you from different dangers. Listed below are some insurance types your company should acquire as soon as possible.

Property insurance

Whether you own or lease your business working space, you need property insurance to cover your inventory, furniture, signage, and equipment against theft, storm, or fire. Massive destruction events such as earthquakes are not covered in this policy.

Professional liability insurance

This plan protects the business against negligence claims as a result of performance mistakes. There isn’t a one-size-fits-all plan for this coverage. All industries have their own concerns usually considered when making a custom policy.

Workers’ compensation insurance

A workers compensation insurance coverage is designed to cover the disability, medical treatment, and death benefits in case an employee gets injured or dies due to their work. Even if you provide low-risk work, problems like slip-and-fall injuries can result in a pricey claim.

Product liability insurance

In case your company manufactures products for selling on the general market, it’s a must to have product liability insurance. Your company will be protected against damages caused by your products when someone files a lawsuit and is claiming compensation.

Business interruption insurance

When a catastrophic event occurs, business operations can be interrupted. Your business suffers from income loss because the staff wouldn’t be able to work in the office, make sales calls, or manufacture products. The policy compensates your company for its lost income due to these events.

By having suitable insurance in place, your company can avoid financial loss due to catastrophic events or lawsuits. Contact WPL Insurance Services, your Santa Clarita, CA insurer, today for more information. You can also visit our office or reach out to us by phone.

 

 

Does Your Home Need an Umbrella Plan?

When it rains, it pours. Even if you’re a few years away from retirement, your home insurance might not hold up against disaster. Even if the house and car are fully paid off, you might still be in for a rude awakening. WPL Insurance Services wants to keep you informed about umbrella insurance plans. Your Santa Clarita, CA home might be safe—but is it safe enough?

What is Umbrella Insurance?

Umbrella insurance is a personal excess liability amount which protects you beyond your homeowner’s insurance plan, safeguarding your bank account from big disasters. Designed to give you extra liability protection during lawsuits, financial assistance after damages and asset protection, umbrella insurance is your go-to option for long-term, comprehensive support.

Why Do You Need an Umbrella Policy?

In essence: Umbrella insurance is a secondary form of insurance. You still need to have a primary homeowner’s insurance policy. You’ll also need to have an underlying liability policy. These policies pay out on claims when disaster strikes.

Sometimes, however, disasters can cost more than these plans can cover. If this happens, your umbrella insurance policy will “kick in,” safeguarding your finances from financial turmoil.

What Can an Umbrella Policy Protect Me From?

Umbrella insurance can protect you from litigation which spawns from property damage, injuries, and associated legal defense costs. If someone is hurt on your property, or if their personal property is damaged at your house, you may need additional legal protection.

It’s important to keep your Santa Clarita, CA home safe. WPL Insurance Services is here to help, and we’re ready to assist you with asset valuation to determine the best possible plan for your lifestyle. If you’re facing law difficulties, you might lose any assets you’ve acquired over the years. Protect your home, protect yourself and, above all, protect your family. Reach out to our agents to learn more.

What Can Happen if You Do Not Have Auto Insurance?

There are a lot of people who would prefer to not pay for auto insurance every month. Even though this may sound nice in theory, it is important that you have the right amount of auto insurance in the Santa Clarita, CA area. You can get into a lot of trouble without it. Here at WPL Insurance Services, this is not something that we want you to have to worry about.

What Can Happen if You Are Caught Without Auto Insurance in California?

When you are caught without auto insurance in California, you can be subject to fines. For the first offense, you can be fined anywhere from $100 to $200. For the second offense, you can be fined anywhere from $200 to $500. These fines do not include the penalty assessment fees so the fines will actually be a lot larger in the end. At the end of all the fines, if you have a first and second offense, you will actually pay almost the same amount for auto insurance in the first place. In addition to these fines, the court can order that your vehicle be impounded which means you will also no longer have access to your vehicle until you pay the impound fees. 

As you can see, this is a big hassle to deal with if it occurs. The only way to avoid these penalties and fines is by having the right amount of auto insurance. You will need to make sure that you at least have the minimum amount of coverage that is required by the state laws in place. If you are not sure how much you should have or if you have enough, be sure to reach out to WPL Insurance Services serving the Santa Clarita, CA area. 

What A Commercial Policy Covers In California

When you start a business in Santa Clarita, CA, there are a lot of insurance concerns to wrap your head around. Commercial insurance is only a starting point. Beyond that, you also might need to look at other forms of insurance relevant to your industry. Do you need professional liability? Additional auto policies? It depends on your field and the type and scale of your business.

What does commercial insurance cover? When you call WPL Insurance Services for a policy, what do they cover?

It covers three things: property, general liability, and your employees with things like workers’ compensation. For some businesses, maybe that’s all you need. For others, it’s more than you need, and you might need a full commercial coverage plan. But generally speaking, this is going to be the foundation for your insurance package.

Maybe the most important one is a general liability policy. When someone gets hurt on your property and decides to take the issue to court, their lawyer is going to look at your holdings and assets vs. your business’s holdings and assets, and chances are your business is a juicier target than you are. Without general liability, one slip and fall can completely sink your business.

If you call WPL Insurance Services in Santa Clarita, CA, we can advise you on exactly what kind of commercial insurance package you need, whether it’s basic liability policy or something more robust. You can’t do business without getting covered, so make sure your plan is sufficient enough to cover all of your assets and risks.

Is Your Home Ready for the Winter?

Winter is going to be here before we know it. While the weather is typically fairly mild in Santa Clarita, CA, there are still some things that you can do to ensure that your home is ready to go for any cold snaps that we may get. Use these tips from WPL Insurance Services to get you started.

  • Get your heating system checked. You do not want to find out that your heater doesn’t work when there is a cold snap. You should have someone come out to inspect it before the cold weather hits to make sure there are no issues and that it is ready when the cold weather hits.
  • Clean out your gutters. There are a lot of leaves that fall in the winter and if you have a lot of trees by your home then you likely have some gutters that need attention. Having clogged gutters can cause damage to the siding of your home, so once the leaves stop falling, clean them out. 
  • Drain your sprinkler system. Before it gets cold, you want to drain the water from your sprinkler system. The last thing you want is for the pipes in the ground to burst because they froze. Have a professional come out to help you with this task as it can sometimes be a tricky one. 

Once you complete these things, your home should be mostly ready for the winter. However, every home is different so there may be some additional things that you need to do to prep your home for the colder months. You should also always have a great home insurance policy in place for anything you can’t predict. Contact WPL Insurance Services, serving, Santa Clarita, CA, to get started on a quote for your home today. 

How does insurance work if your vehicle is stolen and then wrecked?

At WPL Insurance Services, the agents are ready to answer the tough questions if your car is ever stolen and then damaged in an accident. Residents who live in the Santa Clarita, CA area can find out exactly what their policy covers if they are ever forced to deal with a stolen vehicle. In many cases, the car is returned with no damage at all. Other individuals aren’t always so lucky. Their car may be wrecked or damaged in other ways.

What Happens If Your Car Is Stolen and Then Damaged?

One of the most common concerns after a stolen vehicle has been recovered is whether or not it’s been damaged in any way. Many stolen cars often end up being involved in a collision or having parts stripped away. After the police report has been filed, an appraiser will look at the vehicle to determine what damage has been done, if any. Once the insurance agency has their report, they will let you know what your options are.

What Are Your Choices?

Depending on the extent of the damages, your insurance agent will give you a few options to choose from. If there is extensive damage to the vehicle, the primary option would be to total the vehicle and send it to the scrap yard. If the damage is minimal, estimates will be scheduled and repairs can be made as needed.

If you live in or near Santa Clarita, CA, call the agents at WPL Insurance Services if you have any questions about what is covered by your auto insurance policy. The agents have the answers to all of your questions and can perform a quick audit to make sure you have the coverage you need to protect your vehicle.