Purchasing a new home is a great time to review your security protocols and supplies. The following list includes important considerations for protecting your family in your new home.
Home Security and Monitoring
Current systems are more affordable and accessible to homeowners than ever before. Not only can you keep an eye on your home remotely, record video footage, and lock up while away from home, you may be eligible for a homeowner’s insurance discount for your diligence.
Create a Home Inventory
Make sure it is up to date and includes pictures, receipts if available, and serial numbers if relevant. Keep a copy somewhere outside of your home. Cell phones and home inventory apps make this process more accessible than ever.
Have a Disaster Plan
California is no stranger to natural disasters. Learn the risks in San Jose, CA, and plan accordingly. A few basic things every disaster plan should include:
- Your evacuation route.
- Your family communication plan.
- Shelter options for fire, flood, or earthquake.
- Accommodations for your family’s special needs (medical, dietary, cultural considerations, pets, kids, disability)
Have an Emergency Kit
Your kit should fit into one or two easily carried containers and include items like the following:
- Water – a gallon per person for several days for hydration and sanitation.
- Food – a three-day non-perishable supply with a can opener if necessary.
- A radio, hand-crank preferably.
- Well-stocked first aid kit.
- Dust masks/COVID masks.
- A wrench or pliers to turn off utilities.
- Maps in case your phone service goes down.
- Any specialty items your family needs, like prescriptions, formula, essential documents, and assistive devices.
Review your Homeowners Policy
A new home is an excellent time to assess your insurance needs and ensure you are adequately protected. Your local agent is the best tool you have to ensure you are getting the most for your premium dollars. Stop by or call Bayshield Insurance today to discuss your options.
Are you on the fence about umbrella insurance for your San Jose, CA business? We at Bayshield Insurance think it’s a good idea for you to seriously consider this option. Doing so will help to make sure that you get the high-quality help needed to manage any liability problems.
Excessive Defense Costs
Is your trial going to cost you a lot of money to pursue? Are you likely to lose and pay a lot of cash? Never worry: your umbrella insurance policy can help. It will pay for these costs, up to your coverage limits, to ensure that you don’t end up spending a lot of money paying your legal fees in this situation.
Severe Personal Injuries
Did your business end up injuring somebody severely, and you’re worried about paying their medical bills? Umbrella insurance will pay a higher portion of their costs after your liability is exhausted. In this way, you won’t have to pay nearly as much as you would otherwise.
Product Failure Liability
If you sell products, and they end up failing heavily, your consumers could suffer injuries and other issues. Thankfully, high-quality umbrella policies can minimize the amount of money that you have to pay by covering a majority of your overall costs.
Other Types of Liability
Depending on your umbrella policy, it might pay for things like delivery crashes, intoxication at the workplace, attacks by workers at your facility, criminal prosecution costs, and much more. In this way, you should be protected by creating a comprehensive liability protection level.
Keep Yourself Safe
If you’re concerned that your liability coverage just isn’t enough to keep you safe, don’t hesitate to talk to us at Bayshield Insurance right away to learn more. Our team serves the San Jose, CA, area and will do what they can to give you the help needed to avoid serious long-term complications.
Bayshield Insurance serving San Jose, CA would like to talk to you about some of the common life insurance questions you may have.
What is Life Insurance?
It is an insurance policy that you take out and pay a monthly premium for. In the event of your death, money is paid out to your beneficiaries to take care of them after you are gone. It affords your loved ones additional financial protection or may be used to pay off a mortgage after your death.
How many types of Life Insurance Policies are there?
There are two main types – term life and whole life. Term life insurance is when you take out a life insurance policy for a particular time frame. If you die during that period, then your death benefit is paid out. If you do not, then you may renew it depending on the policy wording. A whole life insurance policy is a policy that you pay for from the time you take it out until the time that you pass away. The death benefit is paid to your beneficiaries
What is a Beneficiary?
A beneficiary is a person or persons that you have nominated to receive the benefit (or money) from the life insurance policy after your death.
Are Life Insurance Policies expensive?
This depends on several factors including, the amount you wish to insure, your health, the type of life insurance policy you want, and your age. Term life insurance policies are more cost-effective in the beginning but eventually get more expensive. Whole life insurance policies are more expensive in the beginning and flatten out as you age.
There are many benefits to purchasing a life insurance policy. Contact Bayshield Insurance serving San Jose, CA today and let them guide you.
At Bayshield Insurance, we understand that our San Jose, CA area customers get confused or even upset when we investigate their claims. And some might even become angry if we deny their claims for any reason.
So why do we check into all of these claims so heavily? Understanding this process should help you make it easier for you to get the coverage you want for your needs as a buyer and minimize any confusion or frustration.
Why We Investigate Policies
Our investigations are designed to help both you and us by providing the most possible insight into your claim. Doing so helps to improve your chances of getting approved, not decrease them. That’s because we’ll verify every element of your claim to ensure that it is as accurate as possible.
And we only deny claims if there are problems with your paperwork or if there is a lack of information proving your need for coverage. So by appealing to us and providing more details, it is more likely that you’ll get your claim approved and get the payment that you need for your life.
You can make this process simpler for everyone involved by gathering information about the situation, testimony from people who may have seen it develop, and much more. Then, our professionals will sit down with you and come up with a solution that makes sense and improves your investigation speed. In this way, your claim is more likely to succeed.
What You Can Do to Help
Beyond gathering information that helps improve our investigation speed, you can work with our agents at Bayshield Insurance to provide detailed and accurate records. Doing so should help decrease your investigation time and ensure that your San Jose, CA area claims get approved.
Buying insurance cover is the first step to living a free-worry life. The future holds many uncertainties, especially if you own a business or property. If you are a resident of San Jose, CA getting decent umbrella insurance is a brilliant idea, and Bayshield Insurance is ready to make your dreams come true.
Understanding What Umbrella Insurance Is
Any insurance policy you purchase on top of the standard cover fits to be umbrella insurance. The policy provides cover for property destruction, personal injuries, selected lawsuits, and several others issues.
What To Expect Once You Have Purchase Umbrella Insurance Cover
Your future and your property are secure if you have umbrella insurance cover. Perhaps you have a cover for boat or home, which can only compensate you up to a particular limit. The umbrella insurance cover takes over from where your standard policy gets exhausted. In addition, the insurance takes care of primary issues that other policies exclude in their packages. For instance, it comes to your rescue when you are a victim of slander, libel, and false arrest, to mention a few.
How Can Does Owning Umbrella Insurance Benefit You?
Umbrella insurance is your trusted friend when other options get overstretched. You reap numerous benefits by owing such a cover, as it protects you against personal liability matters, legal issues, and bodily injuries when an accident occurs. While your homeowners cover and auto insurance policies cover you from such liabilities, you need to purchase umbrella insurance as it extends its coverage than any other option.
As we live and interact with other people, we never know what lies ahead. Accidents may happen to leave you at fault and with a financial battle. With umbrella insurance, you do not have to go back to your wallet when you have caused bodily injuries to other people through an accident. Similarly, if your dog harms a guest at home, the insurance takes care of the hospital bills.
If you live in San Jose, CA, reach out to Bayshield Insurance and start a journey to a safe future today.
People that live in San Jose, CA need to ensure they have a proper package of personal insurance plans. An important type of insurance that everyone will need to have in this area is life insurance. There are several types of insurance to consider, which include whole and term life. You should spend time assessing the features of each when determining which is right for you.
Whole Life Insurance
A common form of coverage to consider is whole life. When getting whole life coverage, you can continue to have the insurance in place for the rest of your life if you continue to make payments. While premiums tend to be higher than other options, some of your payments will go into an account that you can turn into cash in the future. This also grows with interest, which can be a good conservative addition to a personal investment plan.
Term Life Insurance
You should also consider a term life plan. For many, term life is ideal as you can curtail the plan to meet your needs. This includes selecting a coverage level and term length that will provide protection that is ideal for your situation. Additionally, monthly payments are often more affordable than other options.
A life insurance plan in the San Jose, CA area is an important investment and a great option for anyone to consider. As you are evaluating your life insurance needs and options in this area, you should speak with Bayshield Insurance. There are a lot of important choices to consider when looking for protection and Bayshield Insurance can make it easier for you. The team here will help you assess your needs and then give the support to help you choose and build an ideal plan.
Protecting your home is one of the most important things you can do for your financial security. Homes are one of the largest investments most people make, and it provides a home and a way to increase your wealth. Having the right insurance, one that offers enough coverage to protect your assets, is vital. Your trusted independent insurance agent can make sure you are correctly insured. In San Jose, CA, Bayshield Insurance is committed to making sure our clients have the right insurance products for their needs and that we are there to answer any questions they have.
When you own a home, it comes with a lot of work. It would be best if you made sure the exterior and interior are maintained, you do safety checks, and you make sure any pests that may damage your home are dealt with. Your insurance company has the expectation you will do all of these things. If you don’t, and you file a claim, you will be disappointed.
What could be more disgusting than a sewer backup? Not much! Imagine your insurance rejects your claim, and that is even more disgusting. This can be solved simply by adding a sewer backup rider to your policy.
Flooding is one of the most damaging natural disasters, and it happens all over the country. According to FEMA, even one inch of water in your home can cause more than $20,000 in damage. The bad news is, home insurance does not cover flooding. The good news is you can buy a flood insurance policy to protect both your home and your contents.
This includes earthquakes, mudslides, and sinkholes, and none of them are covered. Again, you can buy a separate policy to cover this hazard.
Contact Bayshield Insurance in San Jose, CA for all your home insurance needs.
When you own a small business in California, there are certain types of insurance that most businesses have to have in place. There are two required types, and many business owners get comprehensive types of coverage to make sure their business is fully insured in case of problems. If you are interested in commercial insurance, call us at Bayshield Insurance in San Jose, CA to find out more.
Commercial Vehicle Insurance
Every vehicle in California and owned by a business has to have a commercial auto insurance policy. This policy must have a specific amount of property damage liability as a minimum for each accident. It requires another minimum amount for each person injured or killed in an accident, and a higher amount is required for all of the people injured or killed in the accident as a whole. These liability amounts are some of the lowest in the country, so many California drivers opt to increase the coverage amounts to be more in line with the current costs of medical bills and auto repairs.
Workers’ Compensation Insurance
This type of insurance pays for the medical bills of any employee of the business who gets sick or injured while on the job. In California, this is required no matter how many employees you have, even if they are only part-time employees.
Other Insurance Types
It’s common for business owners to get liability insurance to protect against stiff medical bills and lawsuits. General liability insurance is a good type for many business owners in California. It pays for many different risks, and many leases on commercial buildings require businesses to have this insurance type.
Get Your Commercial Insurance
If you have a business in California, you need commercial insurance. To get started, contact us at Bayshield Insurance in San Jose, CA.
In the San Jose, CA area, all people should be aware of their personal liability risks and build a personal insurance plan to mitigate this risk. While many people are going to receive good coverage through home or auto plans, another type of insurance to consider getting is umbrella insurance. An umbrella insurance plan is an additional form of personal liability coverage that gives people additional protection. There are a few reasons that you will need umbrella insurance.
Insurance Mitigates Risk of Major Claims
A key reason you should get an umbrella insurance plan when you are in this area is to receive protection against major claims. A home or auto insurance plan will give you some liability coverage that is likely enough to cover most claims. However, there will always be a risk that a claim could exceed your existing policy limits. If this happens, your umbrella insurance plan will give you the additional coverage you need.
Insurance Offers Peace of Mind
Many people will also benefit from having umbrella insurance because it can give peace of mind. While you can try and predict all potential liability claims, it is impossible to predict everything. Fortunately, you can still prepare for unpredictable situations with an umbrella insurance policy, as it will give you more blanket liability coverage. This will give you the sense that you are prepared for anything.
Those that want umbrella insurance in the San Jose, CA area should call Bayshield Insurance. The team with Bayshield Insurance understands the value that will come with this coverage. They will be able to answer the questions you have and give the support you need to build a proper umbrella plan that meets your needs.
Most of the exclusions that you will find in an insurance policy in San Jose, CA are less about the hazard itself than the cause of the hazard. So fire is usually going to be covered, but there are some major exceptions. For instance:
- If you leave your home unoccupied for long periods of time, you may have your claim denied. In an unoccupied home, problems are allowed to go unchecked for months at a time, which can constitute negligence to your insurance provider.
- Failing to cover your home at its full value. You may have your claim denied if you try to claim the full value of your home, but you’re still insured at what it was worth a year ago.
- You started the fire yourself. This does not necessarily mean attempted fraud or anything like that. It could simply be carelessness on the homeowner’s part. If the fire started because you were playing with fireworks in the garage, your claim might not be honored.
- If you ignore important repairs or serious dangers for long periods of time, that could constitute negligence. For instance, if you knew that you had faulty wiring in your home, but you did nothing to fix the problem, then your insurance provider might take issue with that.
For most fires, you will be covered, but there are exceptions. If you’re looking to buy home insurance in San Jose, CA, get in touch with Bayshield Insurance. Get on the Bayshield Insurance website or call us to see what we can do to get you a good deal on a great insurance policy.