What Auto Insurance Deductible Should I Choose?

Of all of the most commonly asked insurance questions in Santa Clarita, CA, “What deductible should I choose?” is at that top of the list. The truth is, there is no one size fits all answer to this question. You can decide which is best for you by understanding deductibles and how they affect you. Here at WPL Insurance Services, we believe in helping clients make informed decisions, so we put together this quick guide:

Understanding Deductibles

Your deductible is the amount of money you must pay out before your insurance company will pay any money toward a covered accident. For instance, if you have an accident that causes $6,000 in damage to your car and your deductible is $1,000, you must pay that $1,000 before the insurance pays the other $5,000- provided that $5,000 is within your coverage.

There is a direct correlation between your deductible and your premium. When you choose a higher deductible, your premium- or monthly payments- is lower. When you choose a lower deductible, your premium is higher.

Choosing Your Deductible

Choosing your deductible should revolve directly around the answers to these questions:

  • If you were in an accident, how much could you afford to pay for your repairs? The answer to this most likely lies within your savings account or emergency fund. Logically speaking, if you do not have money saved up, you are probably better off with a lower deductible and higher monthly payments.
  • Are you leasing your car? Most people that are leasing choose a lower deductible. This is because if there is an accident, they must return the automobile in good, working condition. Choosing lower deductible provides better coverage should an accident occur.

There are other considerations, such as how often you have accidents, but the two mentioned above are some of the most common factors. If Santa Clarita, CA residents have any questions or need help deciding on a deductible, give WPL Insurance Services a call or stop by today. 

 

Protect Your Business With Commercial Insurance

Your business represents a massive investment of time, hard work, and money. So if anything were to happen to it out of your control, it might set you so far back financially that you are not able to recover. Your business is your livelihood. It may also be the livelihood of employees as well. This is why you need to protect your business with the right commercial insurance. If you operate your business around Santa Clarita, CA, the staff at WPL Insurance Services wants to help connect you with the right coverage for your company.

Property Commercial Insurance

It doesn’t matter if you rent out your place of business, you need property commercial insurance. This goes beyond protecting the physical location. It protects the equipment you have inside. If you rely on computers, machines, or other hardware, it is essential to protect this. What would you do if the equipment went down for a few weeks? It might put you out of business. With the right property insurance, you’ll never be forced to deal with it. 

Worker’s Compensation

When you have employees, you will need to consider worker’s compensation. When injured on the job, you may be liable for their medical expenses and time off. Trying to pay this out of pocket is extremely expensive. Worker’s compensation can help.

It doesn’t matter what kind of business you run or the services you provide. It is essential to protect it with the right form of commercial insurance. Attempting to navigate the world of commercial insurance is not easy, though, which is why you need to turn to WPL Insurance Services for assistance. With experts specializing in commercial insurance, your Santa Clarita, CA business is in excellent hands. All you need to do is pick up your phone and give us a call. 

Dog Bites and Homeowners Insurance

Those who own dogs are usually proud to have these canines as members of their families. Although the vast majority of dogs are friendly and well-mannered, from time to time, even the sweetest dog may have a bad day. If your pooch’s bad day includes a nip or a bite toward someone who is not in your family, you may be worried about your liability for someone’s medical bills. If you have questions about dog bites and your homeowner’s insurance in Santa Clarita, CA, read these tips from WPL Insurance Services.

Dog Bites are Common.

If your dog has bitten someone, you probably feel pretty ashamed about the whole thing. However, keep in mind that dog bites are one of the most common claims that homeowners insurance companies receive. Don’t hesitate to reach out to your insurance agent and discuss the whole situation with them. They can advise you on how to proceed.

Choose Your Dog Breed Carefully

If you haven’t yet gotten a dog and you’re considering one for your family, you may want to check with your insurance agent first. Some homeowner’s insurance policies will not cover dog bites if you own certain breeds of dogs. Often, this is related to dogs that are illegal in your jurisdiction. Check out the legalities before you take the dog home.

You Can Buy Extra Insurance for Dog Bites

If you have a nervous neighbor and a highly excitable dog, you may want to purchase extra insurance coverage specifically for the possibility of a dog bite. This means that if someone does get bitten and their bills exceed the standard liability on your homeowner’s policy, you will still be able to pay for their needs. 

If Your Dog Has Bitten in the Past

If your dog has a history of biting, your homeowner’s insurance may inform you that bites from that dog will no longer be covered, regardless of the breed of the dog. You may need to either keep the dog confined away from other people or find him a new home.

If you need advice about a dog biting situation in Santa Clarita, CA,  contact an agent at WPL Insurance Services. 

Updating Your Auto Insurance For Seasonal Changes

Southern California winters may be milder than most states, but we still have our unique needs. Dry winters mean fire warnings, and wet winters mean unfamiliar driving conditions. These natural weather events might lead you to think about updating your auto insurance for seasonal changes. A call to WPL Insurance Services serving Santa Clarita, CA could help you determine your need to update your auto insurance going into the winter months.

Think About Comprehensive and Collision

If you’ve carried minimum liability-only insurance you might consider adding comprehensive and collision insurance for the winter months. Even though Southern California is dry most of the year, the winter months can see rain storms resulting in lower visibility, slippery roadways, and more hazardous conditions.

Seasonal wildfires have made the mountain landscape more prone to landslides. This adds another level of consideration for drivers in the SCV who drive on the 14 freeway, one of the affected thoroughfares in the area. 

Moreover, the windy season can bring a wealth of increased hazards for drivers. From fallen trees to gusty wind areas toppling semi-trucks, it’s better to be prepared for the worst while hoping for the best.

Comprehensive and collision insurance are usually bundled together, and you should talk to your agent if you’d like one or the other. The latter helps in the event of a crash, while the former covers such things as vandalism, theft and other types of physical damage

As a driver in Santa Clarita, CA you want to up-to-date coverage for changing area weather conditions in the area. To learn what kinds of coverage you could benefit from, talk to an agent at WPL Insurance Services. We can help you determine if updating your coverage is right for your driving needs.

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.