Insurance Valencia | Insurance SCV | Home Insurance | Best Rates

Perils, Perils  and more Perils.  Do you know what perils are covered in your home insurance policy?   Unfortunately, most Valencia homeowners have no idea.  Neither do homeowners in Newhall, Canyon Country, Saugus or Castaic, for that matter. First off, what is a  covered “peril” in a home insurance policy?   Simply put,  a peril is a “cause of loss” of which there is usually a list of sixteen: Fire or Lightning Theft Water damage from specific sources Falling objects Damage caused by vehicles Damage caused by aircraft Hail or Windstorm Explosions Vandalism Volcanic eruption Damage from weight of snow or ice Freezing pipes Riot or civil disturbances Accidental discharge or flow of water from household appliances and/or systems Sudden and accidental damage from specified types of electrical current Smoke  Now with this all explained, it is easier to understand the difference between the two types of home insurance policies–Named Peril and Open Peril (sometimes referred to as All Risk). A Named Peril policy provides coverage for only those perils listed, namely the 16 perils listed above.  On the other hand, an Open Peril provides coverage for all perils except for the exclusions that are listed. So now that you can see the difference between the two types of home insurance policies, which one would you prefer for your Santa Clarita home?  Open Peril, of course!  This policy form is broader, encompassing many more perils because it includes all perils except for the ones specifically excluded in the policy.  This means that there are a lot more covered perils than the 16 perils listed above. You might ask, “What...
Auto insurance Newhall | Insurance SCV | Carol Smith

Auto insurance Newhall | Insurance SCV | Carol Smith

Carol Smith of InsuranceSCV insurancescv.com can handle all of your insurance needs. Call her at 661-803-3803. Have you ever seen the movie “Fatal Attraction?” Remember the scene where Michael Douglas’ character returns to his car in a parking lot only to find that someone has totally messed up his car? We’re not saying that’s going to happen to you (hopefully), but you could well find one day that someone has broken into your car and stolen your radio or caused significant damage. Or maybe they stole the entire car! Carol Smith of Insurance SCV can offer lots of options because she deals with several companies, including MetLife, Travelers, Progressive, Allied Insurance, Mercury Insurance Group and The Hartford. Call Carol Smith of InsuranceSCV at...
Homeowners insurance Canyon Country |Insurance SCV | Carol Smith

Homeowners insurance Canyon Country |Insurance SCV | Carol Smith

Carol Smith of InsuranceSCV insurancescv.com can handle all of your homeowners insurance needs. Call her at 661-803-3803. You’d be surprised how many homeowners have something bad happen to their home, only to find that thy didn’t have adequate homeowners insurance coverage. t could be a fire, a broken water pipe or a tree falling through the roof.  Some homeowners don’t consider the value of all the personal possessions contained inside the home. The findings of a 2002 study conducted by Marshall & Swift/Boeckh, a construction data firm based in Wisconsin, show that as many as 75 percent of homeowners in the United States do not carry adequate homeowners insurance to replace their home and the contents should a catastrophic loss occur. Call Carol for all of your insurance needs at...
Car insurance Valencia | Insurance SCV | Comprehensive coverage

Car insurance Valencia | Insurance SCV | Comprehensive coverage

Carol Smith of InsuranceSCV insurancescv.com can handle all of your insurance needs. Call her at 661-803-3803. Have you ever walked into one of those candy shops that seem to have everything? So many choices you don’t know where to turn? Options … it’s something we all want, whether we’re talking food or insurance. Carol Smith of Insurance SCV can offer lots of options because she deals with several companies, including MetLife, Travelers, Progressive, Allied Insurance, Mercury Insurance Group and The Hartford. Call Carol Smith of InsuranceSCV at...
Insurance choices SCV | Insurance SCV | Make sure you’re covered!

Insurance choices SCV | Insurance SCV | Make sure you’re covered!

Carol Smith of InsuranceSCV insurancescv.com can handle all of your homeowners insurance needs. Call her at 661-803-3803. Basic homeowners insurance policies insure a home and its contents from the risk of being damaged or destroyed by fire, theft, or wind from severe thunderstorms, tornadoes and hurricanes. But many people find out too late that they don’t have enough insurance. Some homeowners don’t consider the value of all the personal possessions contained inside the home. The findings of a 2002 study conducted by Marshall & Swift/Boeckh, a construction data firm based in Wisconsin, show that as many as 75 percent of homeowners in the United States do not carry adequate homeowners insurance to replace their home and the contents should a catastrophic loss occur. Call Carol for all of your insurance needs at...