Many count on Commercial One Insurance Service to provide home insurance to make them feel safe, but there is more to having a safe home than a good home insurance policy. Home safety should be a priority for homeowners in Burlingame, CA.

Install a home security system

You have never had more options for home security. From DIY weekend projects to professionally installed systems, you can find a system that fits your needs and your wallet. Whether you have your home monitored or do the monitoring with your smartphone, it all helps make your home safe. 

Light the exterior of your home

Having motion detector lights on a home’s exterior can be very discouraging to potential intruders. Don’t forget the back and sides of your home as well. Light is your friend when the sun goes down. 

Use door and window locks

It doesn’t help to have locks on your doors and windows if you are not using them. Don’t forget your garage and your sliders. All of them should be adequately locked whether you are home or not. 

Use non-slip mats in tubs and showers.

Making your shower or tub a safe place can help reduce falls. Nonslip mats or sticks can help lower the potential danger. 

Remove clutter

Clutter in hallways and on stairs is a recipe for disaster. Especially at night, when you can’t see where you are going, the danger of a fall is very real. The very young and the very old are the most likely to receive serious injuries. 

Contact us

If you are a resident of Burlingame, CA or live in the area, you can count on Commercial One Insurance Service for all your home insurance needs. Give us a call or stop by our office. 

You wouldn’t choose any old home, so why would you choose any old homeowner’s insurance policy? While knowing you need insurance for your home is easy, selecting the right policy can take significant effort. Home insurance policies can vary in total coverage, payouts, policies on pools and visitors, and even have requirements based on your specific home loan. 

Commercial One Insurance Service, serving Burlingame, CA, can guide you with top tips for choosing California home insurance.

California Home Insurance Tips

1. Understand the Policy Coverage you Need. Explore the amount of liability and property coverage you need to make you whole again in the case of an accident or injury. Learn more about types of policy coverage today before you buy.
2. Talk to your Experts. Talk to both your realtor and your lender for recommendations. As providers who already know your unique needs, your lender and realtor can steer you in the right direction and help ensure your policy fits your purchase.
3. Get Native Language Support. Don’t search for support you won’t fully understand. Search California’s database for realtors who provide additional language assistance. 
4. Get a Second Opinion. It never hurts to get a second opinion on policy rates and coverage. Check with an additional provider before you decide. If you think you have been denied coverage in error, submit a complaint to the California Department of Insurance.
5. Understand the California FAIR plan as a last resort. The FAIR plan is a California safety net to provide fire insurance to high-risk properties that otherwise may not qualify for traditional homeowners policies. 

Commercial One Insurance Service serving Burlingame, CA is ready to meet your homeowner’s insurance needs. Contact us online today.

Before you contact Commercial One Insurance Service about home insurance for your Burlingame, CA home, you should make a home inventory, a list, or a video of the items you own.

Providing your home inventory when you contact Commercial One Insurance Service helps us provide you with the most accurate information and quote. That’s because your policy can offer various levels of personal property protection. We base the amount of coverage on your current home contents.

When you create a home inventory, you document the equipment and household items you own. You also document their condition. If your home policy reimburses you for items at actual value, then you’ll receive the value of the items not at the value of when you purchased them new, but at the depreciated value. Your video home inventory can prove that your item held value because of the care you took of it.

You should update your home inventory with your insurance agent when you buy new big-ticket items. Since your insurance policy provides a dollar amount of coverage, you need to update it when you purchase new jewelry, hobby equipment, such as cameras, or sports equipment, such as a new road bike. This ensures that your home policy covers the items you own.

The same is true of sharing your home with a roommate, significant other, or spouse. When you add another person to the household, you also add their stuff. Until you update your policy though, it only covers the items for which you initially purchased the personal property coverage. You’ll need to add their items to your home inventory and update your insurance policy accordingly.

Contact Commercial One Insurance Service about home insurance for your Burlingame, CA today. We can help you obtain the coverage you need to protect your financial security.

Filing a home insurance claim in Burlingame, CA, is not easy, especially if you’re doing it for the first time.  The more significant the loss, the more complex the process. However, with the help of insurance professionals at Commercial One Insurance Service, you can rest assured that you will be fully and fairly compensated for every loss under the terms of your home insurance policy. Here are a few tips to help you out.

Create an Inventory

You never know when disaster might strike. That’s why you need to act now by preparing a list of all valuables covered in your home insurance policy. Your list should include the name, price, and the date you purchased them. If you have receipts for large items, keep them safe and update the inventory every time you buy a new item.

Study Your Policy

It’s almost impossible to successfully file a home insurance claim in Burlingame, CA, if you don’t know what is covered. Take time to go through your policy, read terms and conditions, ask questions, and have the correct information on hand. Review your policy after every six months to keep it updated.

Document the Damage and Your Interactions 

Sometimes the entire claim process may not go as you expect. If you feel that you were unfairly compensated, you can file a lawsuit against your insurance company and demand fair compensation. To do this, you must document every step of the claim process, from adjuster conversations to the damage in your home. Your lawyer will need all this information to build a strong case against your insurer.

Act Fast

The faster you act, the faster you can settle down after a disaster.  If there is any criminal activity involved, make sure you report it to the police before calling your insurance provider. Fill out the home insurance paperwork and provide all the required information on time. 

To learn more about home insurance claims, please get in touch with Commercial One Insurance Service. 

When you live in California, the fear and threat of wildfires will always be on your mind. You can add coverage to your California home insurance policy to help you with a little peace there.

At Commercial One Insurance Service, we want Burlingame, CA residents to have the home insurance coverage they need to be protected financially from wildfire. Here are some coverages you will want if you are concerned about the threat of wildfire.

Dwelling Coverage

Dwelling coverage will rebuild or replace your home and any attached structures such as a garage or a deck. It’s always a good idea to review your dwelling coverage, in order to keep up with the changing costs of your home. 

With wildfires in your area, you may find that materials shortage and labor demands could lead to cost surges after a wildfire. The cost to rebuild may be higher than your dwelling limits. You can get guaranteed cost coverage to cover the cost of a rebuild, or add extended coverage which could be an amount like 25 percent over your current limit. This gives you a cushion with dwelling coverage if the costs to rebuild are exorbitant in the event of this tragedy.

Update Your Contents Coverage

You could lose everything in a wildfire, and it may have been some time since you updated your property inventory. Check the value of your contents by performing another inventory, and updating your contents coverage. 

Most home insurance policies give you a 50 to 75 percent allowance above your dwelling coverage for contents. If you have added new contents or property that is significant in value, have your coverage updated.

Additional Living Expenses

Adding additional living expenses or loss of use coverage to your policy will cover you in the event that you need to vacate your home. This will cover hotels, restaurants, and even pet boarding if you need to leave the home after a wildfire. Make sure this is added to your policy.

Get a Quote

When you are worried about wildfires in California, update your home insurance policy. This will give you some peace of mind. At Commercial One Insurance Service, we want Burlingame, CA residents to have the home insurance they need to protect them during these tragedies. Call us for a quote today.

How much do you think it costs to insure your home? While it’s not free, it’s not as expensive as you think. With home insurance, you spend today, but it saves you loads of losses when perils strike. If you have been having second thoughts about home insurance, here are reasons you should buy this coverage, according to the Commercial One Insurance Service of Burlingame, CA.

Home insurance protects your dwelling

For most people, a home is one of the most expensive assets to own. As a result, your home is the last thing you want to be taken away from you. Luckily, with homeowner’s insurance, you have an investment to protect what you love.

While home insurance won’t prevent perils like fire, theft, and so on from striking, it ensures that your financial burden is manageable when such perils strike.

Home insurance compensates you when you lose personal assets

Your assets are what make your house become a home. Otherwise, it would be an empty shell. Home insurance protects your home contents, including furniture, clothing, electronics, and valuables like jewelry.

If you want to get the best put of your personal contents coverage, take an inventory count of your assets to ensure all your belongings are covered when filing a claim.

Home insurance provides liability protection

Besides protecting your assets, home insurance shields you against liabilities. While you may be careful not to cause accidents to neighbors, your family members may not be. As a result, you may be accused of bodily injury and property damage that may be expensive to sort. Thankfully, when liability claims strike, you have home insurance to turn to.

Buy home insurance today!

Are you looking for affordable coverage in Burlingame, CA? Don’t hesitate to get in touch with Commercial One Insurance Service for a competitive quote. Here, we understand that homeowner’s needs differ. As such, we provide different home insurance coverages to answer the needs of various homeowners.

Homeowners in California are faced with a wide array of perils. Ranging from theft, wildfires, vandalism, lightning, to windstorms, many threats can damage your hard-earned asset. The good news is that you can be at ease when you purchase home insurance from Commercial One Insurance Service for your Burlingame, CA home. This way, you will enjoy the below benefits.

Liability protection

Whether you reverse into your neighbor’s wall, someone gets injured on your premises, or your dog bites someone, you can rely on your home insurance liability coverage to cover the medical costs and any legal claims that might arise. 

Structure protection

When fire, windstorms, smoke, or any other covered peril damages your home, your home insurance’s dwelling coverage should pay for the repairs or cost of replacement up to your policy limit. The policy can also cover damage to detached structures like the swimming pool and the garage.

Contents coverage

Home insurance doesn’t protect the structure only. It also covers the contents inside your house. When your electronics, furniture, and clothing are stolen or damaged by fire or smoke, home insurance should pay for the replacement.

Additional living expenses (ALE) coverage

Suppose your home is destroyed by fire or hail and is undergoing repairs. In such instances, your home becomes inhabitable, and you have to seek a temporal shelter. When you have an ALE add-on to your home insurance, it pays for hotel meals and accommodation expenses while your home is being repaired.

Pro-tip: While home insurance protects you from many perils, it may not protect you from floods and earthquake damage. As a result, it’s pivotal to double-check with your agent for separate covers if your home is in an earthquake or a flood-risk area. 

Home insurance in Burlingame, CA

When looking for home insurance, you need a partner that has your interests in their heart. If you are in Burlingame, CA, and the surrounding areas, you can trust Commercial One Insurance Service for all your home insurance solutions. Contact us today, and we shall help you protect your home.

In the Burlingame, CA area there continues to be many different benefits that come with owning a home. Those that choose to purchase their next property and residence will want to ensure that they properly insure it. A full home insurance policy in this area of California can protect you in a variety of different ways. 

Insurance Will Give Liability Protection

One way that you can be protected with home insurance is by receiving liability protection. All people have personal liability risks that need to be assessed and mitigated as well as possible. When you are looking for a home insurance policy, you will find that it includes some liability insurance to offset your risks. This coverage can protect you in a variety of different situations that could result in a liability claim.

Insurance Covers Your Assets

You should also get a home insurance policy because it can protect your assets. A home insurance policy will give you the coverage that is needed to repair your home if it is damaged by fire, bad weather storms, vandalism, or other risks. Additionally, you can receive coverage to repair or replace your personal assets, up to the policy limits. Due to the value of this coverage, any mortgage lender will require that you carry home insurance at all times. 

Property owners in the Burlingame, CA area need to make sure that they continue to protect their homes as well as possible. A great way to do this is by getting home insurance. When you are looking for your next home insurance policy, you should speak with the team at Commercial One Insurance Service. If you do call Commercial One Insurance Service you can get the support that is needed to fully understand your insurance options. 

Homeowner’s insurance creates great peace of mind for many people. A homeowner’s insurance policy covers many things. As a result, This type of policy can benefit many homeowners if and when unexpected events happen that require repair or replacement. Your home’s foundation can even sustain damage that needs repair, replacement, or some other service. However, homeowners insurance may not cover everything that causes damage to your foundation.

What Type of Foundation Damage Does Homeowners Insurance Cover?

Typically, homeowner’s insurance covers damage your foundation if it occurs as a result of an accident. For example, if a tree falls on your home, or someone crashes into your house while driving, damage sustained to the foundation, as a result, will usually be covered by your policy. This type of insurance may also cover damage created by broken pipes or plumbing.

Homeowners Insurance won’t Cover Damage to Your Foundation if…

This insurance won’t cover damage to your foundation if they are a result of neglected maintenance and repairs. This insurance doesn’t cover general foundation repair or the repair of damage created by general soil compaction and expansion. Homeowner’s insurance doesn’t usually cover cracks and leaks either. If you have sustained cracks, sinking, subsiding, and leaks in your foundation as a result of some natural disaster, flood insurance, or some other type of insurance would cover these repairs. Commercial One Insurance Service understands that questions about homeowner’s insurance and foundation repair can get kind of confusing. We’re dedicated to eliminating the confusion for our Burlingame, CA homeowner’s. If you have questions about coverage, give us a call. One of our experienced agents can walk you through what is covered and what isn’t, in addition to answering any other questions you may have. 

The San Francisco and Burlingame, CA area is a great place to live and work. Along with this, there is a great real estate market that offers a lot of potential to property owners. When you are going to purchase a property in this town, you need to ensure that it is fully covered by insurance. There is a range of factors to consider when you are going to get a home insurance policy.

Policy Requirements

One factor to consider when you are getting home insurance is your policy requirements. Most people that own a home will have some obligation to carry insurance. If you have taken out a loan to buy the property, the lender will likely require that you have insurance at all times. Also, if you live in an area with an association, you will have to comply with their insurance requirements. It is important to understand all of these obligations and to ensure you are meeting them.

Personal Assets

You also need to carefully consider your personal assets and make sure they are covered. Your policy will come with a certain level of coverage to replace your personal items if they are damaged or stolen. If you have some valuable items that are above this amount, you should consider getting an additional policy rider to get ample coverage. 

It is smart to find an excellent home insurance policy for your property. When you are shopping for a home insurance policy, you should call Commercial One Insurance Service in Burlingame, CA to discuss your insurance needs and options. Commercial One Insurance Service can help you to figure out what your risks and needs are. Based on this assessment, you can better choose an insurance policy that will give you the best form of coverage possible.