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300 S. Park Ave, Ste. 903
Pomona, CA 91766

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California Insurance Blog

Does Home Insurance Cover Natural Disasters?

Residents of Pomona, CA know that Californians are at risk for natural disasters. Catastrophes such as wildfires and earthquakes are not uncommon to California. Furthermore, the east coast was recently ravaged by Hurricane Matthew. While California does not get struck by hurricanes very often, California is on the coast and can suffer a hurricane strike at any time. When it comes to home insurance, owners need to know what disasters are covered by the policy and what catastrophes require an additional rider.

First, in the wake of Hurricane Matthew, it is important to address floods. Flood insurance does not come standard with most insurance policies. Flood insurance is typically a separate rider that people need to add to their policy. While this comes with a slightly increased cost, Californians do live on the Pacific coast and should be prepared for a hurricane strike. Make sure that the policy covers flood damage.

Next, earthquake insurance is important for people living on the San Andreas Fault. Earthquake coverage is also a separate policy, typically referred to as earth movement insurance. This will include disasters such as mudslides and avalanches along with earthquakes. This should not be neglected in California. Purchase earth movement insurance.

Finally, there are some policies that will cover wildfire damage. With the dry heat in California, wildfires are a common occurrence. While many policies will cover fire damage, it is essential that residents purchase coverage to cover living expenses. Wildfires frequently cause so much damage that the home cannot be lived in. People are forced into hotels and apartments which can be expensive. Home insurance policies will cover these living expenses if the owner purchases the coverage. 

Pomona, CA is averse to natural disasters. Wildfires and earthquakes are common along the San Andreas Fault. Make sure that everyone knows that catastrophic coverage is included in a home insurance policy. Some riders are required to cover specific natural disasters. Contact the friendly agents at THINK Insurance & Financial Services today for more information. 

How You Can Make Auto Insurance Work for You

In Pomona, CA, you’re faced with some driving situations everyday. From congestion to clear roads, there are so many ways you can get from one place to another. But auto insurance is not likely what you’re thinking about when you’re out, and it’s one of the main reasons why people fail to get the right coverage for themselves. THINK Insurance & Financial Services wants you to know how it works in the real world, so you can make better decisions about the amount of coverage you get. 

When Is Liability Right?

Liability is the cheapest option you can get, and it tempts many people who are on a budget to take the deal. The problem with this is it just takes one accident to financially cripple people. Liability doesn’t cover any of your repair costs, and that could mean that you no longer have a car to get around. Deductibles can also be incredibly high when you have this option. Liability is only recommended if you have a car that is extremely inexpensive where you know that you can get another car rather quickly if it does happen to become totaled. The public transportation in Pomona, CA leaves something to be desired, so you may not want to rely on that if something does happen. 

Having the Right Partner

THINK Insurance & Financial Services wants you to get the most out of your auto insurance, and that means thinking through every scenario. From a thief taking your things to being involved in a hit and run, there are ways that insurance can keep you from having to experience a devastating event. Talk to us if you’re looking for a quote, or if have questions about the type of car you have. Your rates are determined by a variety of different factors, and your price may be more reasonable than you think. Find out more when you call us today. 

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