Ontario, Ca Home Liability Coverage

Living in Ontario, CA means being a responsible homeowner. Having homeowner’s insurance is a must – and most policies will include home liability coverage. Understanding how this coverage can help you save money is important as it will allow you to have sufficient amounts on the policy.

You need this liability coverage in the event someone has an accident on your property. This is anyone who is a guest and doesn’t actually live in the house with you. Visiting family, friends, contractors, and others could injure themselves on your property or in your home. Examples include:

  • Tripping down the stairs
  • Slipping on a frozen sidewalk
  • Falling in the yard

Whatever the accident, it is possible for someone to get severely hurt. They may sue you and the home liability coverage will generally take care of legal costs. This will ensure you are properly represented in a court without it costing you a fortune.

If you are deemed liable for the accident, you may be responsible for paying for pain and suffering that the person has dealt with from the accident, lost wages, medical bills, and much more. There is no saying how much this could add up to – it is based on severity of the accident. If you don’t want to pay for these out of pocket, you need the liability coverage.

The more coverage you have on your policy, the better. This will minimize the amount of money that you could potentially pay out of pocket if someone ever gets hurt on your property.

At THINK Insurance & Financial Services, we want the very best for you and your home. Contact us today to learn about home liability coverage in Ontario and what it’s going to cost for you to get a comprehensive homeowner’s insurance policy.

 

 

Fall Home Checklist For Indoors And Outdoors

There is a checklist that you should follow for your home during the fall months. This includes what you can do indoors and outdoors. You don’t want to encounter problems with your home that could require you to file a claim with your homeowner’s insurance. By taking the time to perform some maintenance, you have the ability to protect your home a little bit more.

Indoor Checklist

Your indoor checklist is going to include your doors, fans, HVAC system, and even your chimney/fireplace if you have one.

  • Weather strip and caulk around doors and windows in order to reduce the draft
  • Clean the chimney
  • Inspect your heater
  • Reverse your ceiling fans
  • Replace batteries in all of your smoke detectors

All of these can go a long way to reducing energy costs as well as making sure your home is prepped properly for the winter that is fast approaching.

Outdoor Checklist

Your outdoor checklist is going to include such things as your roof, gutters, and driveway.

  • Check for cracks in your driveway so that they can be filled before snow and ice arrive
  • Inspect the roof to replace loose or missing shingles
  • Clean out the gutter so that the clog doesn’t result in an ice dam

Homeowners insurance is going to cover an array of problems that you encounter, but the better option is to prevent problems from occurring to begin with. You need to be a responsible homeowner and following the fall home checklist can go a long way.

At THINK Ins & Financial Services we are here to help you find affordable homeowners insurance. Call today and learn more about how you can protect your home in Pomona indoors and out and let us get quotes for you from top insurance companies.

 

Protect Your Pooch In The Hotter Months

Your pooch needs to be protected during the hot months. Just as you suffer from the hot weather in Pomona, your pooch is going to do the same unless you learn how to protect them. The good news is that there are plenty of easy ways for you to provide protection without going out of your way.

One of the easiest things to remember should be to never leave your dog inside of the vehicle when you go anywhere. As they pant, all of that hot air gets trapped inside, and they are going to overheat even faster. Many dogs have died as a result of their owners leaving them inside the vehicle, even during short trips into the store.

Leave out plenty of water for your pooch as well. This goes for whether your dog stays indoors or outdoors. If you plan on taking your dog somewhere, such as the park, hiking, or anywhere else, bring a collapsible bowl as well as a bottle of water so that your dog can take a drink whenever needed.

Make sure that your dog has some kind of paw protection. Just as you don’t want to walk on hot pavement because it hurts the bottoms of your feet, your dogs don’t want to, either. The pads on their paws are very sensitive and there are various products that you can purchase to protect their pads.

You also want to know about the signs for overheating. If your dog starts to pant a lot or their body heat is creeping up, get a wet towel across them and cool down their feet. If you aren’t already in the shade, be sure to get there.

Call us at THINK Ins & Fin Svs LLC to learn about how to get an affordable policy in Pomona, CA. We can help you get a great quote and get the coverage you need.

 

Why A Garage Sale May Be A Good Idea

There are many reasons as to why you should consider a garage sale. When you are living in California and there is a lot of clutter in your home or there are things that you no longer need, a garage sale can generate income as well as help you get rid of everything. There are some guidelines that you should follow.

Market the Sale

You need to make sure that you are marketing the sale so that people know where the garage sale is and when. Invite family and friends, create road signage, and spread the word across the Internet.

Clear Out Your Clutter

Anything that you don’t want needs to be part of the garage sale. Go room by room, making sure that you work everything that is going to go out. Be realistic about what you want to keep and what you want to get rid of.

Price it Right

Remember, you aren’t going to get full price for anything that you put out at a garage sale. Everything should be marked down at least a third of the original price – if not lower. You may want to let people know that you are willing to take a lower price. Don’t be afraid to negotiate.

Keep it Out

Once you have everything out for sale, don’t bring it back in the house. Make arrangements to take a trip down to Salvation Army or somewhere else in order to drop everything that doesn’t sell. This way, you can get a tax write off and remove the clutter out of your home at the same time.

There is no reason why you should have to purchase homeowners insurance on your own. Our agents at THINK Insurance & Financial Services can answer questions, get quotes, and guide you through the entire insurance buying process.

 

 

3 Fast and Cheap Hacks for Cleaning Windows

All cleaning be arduous. Of all cleaning tasks, cleaning glass can be especially tedious. At THINK Insurance & Financial Services, we’ve helped people find homeowners insurance; we don’t clean windows. We’ve taken some time, however, to find some ways you can save time on your window cleaning. We wanted to make cleaning your windows as easy as finding a new home insurance policy.

Easy Ways to Clean Windows

Cleaning windows doesn’t take much elbow grease, but it requires the proper supplies. Instead of grabbing a commercial window cleaner and paper towels, make the task easier by using a mixture of vinegar and water and coffee filters. The mixture will work as well as a commercial cleaner, and the coffee filters won’t leave streaks. (Newspapers also work for windows, but the print will stain your hands.) If you come across an especially stubborn spot, you can use a chalkboard eraser to remove it.

Easy Ways to Find Home Insurance

You can likely find homeowners insurance in the same amount of time as it will take to clean your windows. Through our website, you can pull up quotes on homeowners policies available in California. Alternatively, you can call our independent insurance agents.

Serving Pomona, CA, homeowners insurance agents at our office will gladly help you find a policy that meets your needs. They’ll ask you a few questions, which only take a few minutes to answer, and then pull up quotes from multiple insurers in California. Since all of our agents are independent insurance agents, they are free to compare policies from every insurer in the state.

To see just how easy finding homeowners insurance is, log on our website or give us a call. Once you find a policy, use this motivation to wash your windows. You’ll have to call us after and let us know which was faster.

 

What’s in Your Coverage?

Most people don’t realize what their home insurance just might cover. We know that it won’t protect your car on the road if you’re hit by another driver. Did you know it might protect personal property that gets damaged or destroyed inside of your car though? It all depends on who your homeowners insurance company is. That’s because not all home insurers are the same.

Because we’re independent insurance agents, we have working relationships with multiple homeowners insurance companies. As a result, we’re able to provide you with a variety of choices on insurers, coverage and premium payments that you can tailor your homeowners insurance with. Most other agents can’t do that. They’re tied into one single insurer, and that insurer doesn’t permit them to give those choices. Because their loyalty is to that one lone insurer, it might be difficult for them to give you objective and unbiased information and advice. You won’t have that problem with us.

In the context of any claims that might arise, whether its a homeowners or car insurance claim, we can assist you in its preparation and submission. We can also advise you on which one to file in an unusual circumstance. That way your claim can get resolved faster.

We live and work in or around the Charter Oak, CA area. We’re established and respected members of our communities. We might even already service people that you know. We want to see you, your family and property fully protected. We’ll be happy to make ourselves available to answer any questions or address any insurance concerns you might have. It doesn’t matter if it’s homeowners insurance or car insurance, just feel free to give us a call. You’ll be happy you did.

Storm Damage to California Roof

With a coastline as long as California’s, any type of storm can hit hard and tear your roof to shreds. Water entering the home will damage ceilings, walls, floors, furniture and other personal property. You want insurance coverage, not only for your roof, but for the interior of your home too.

As independent insurance agents, we not only want to see your roof repaired, we want to see your home, family and personal property fully protected too. That’s what homeowners insurance is for, and part of our job to to give you unbiased and objective information about it. From that range of information you can choose your options so you can cover your home and family from top to bottom.

Because we’re independent agents, we can offer you choices on insurers, coverage and premiums. Most agents can’t do that because they’re not permitted to by the insurer they work with. They’re tied in to only one company. We’re not.

All of the insurers we work with are established, well funded and fair. To help cover those items in your home with special value from water damage, we’ll offer you special endorsement coverage over and above standard personal property coverage limits. If you have a homeowners claim, we’ll even help you in preparing and submitting it.

We live and work in and around your community and might even service your friends or family members already. Whether you’re in the process of buying your first home or just comparing coverage and prices, feel free to give us a call with any questions you might have. We’re happy to talk with you and provide you with a full range of choices from the multiple insurers we work with. You’ll be happy you called for a quote.

Will My Home Insurance Pay for Carpet Cleaning in Pomona, CA?

When you need the carpet in your home in Hermosa Village, Eastlake Cottages or any other neighborhood here in Pomona, California, cleaned, you will call your local carpet cleaning company and pay out of your pocket. However, what do you do when there has been water damage – possibly from a busted pipe – and you need your carpet cleaned? Will your homeowners insurance cover it? Read on to learn more.

Typically, home insurance will pay for carpet cleaning if it is required following a bathtub overflow or busted plumbing pipe. However, all water damage is most certainly not covered.

Natural Flooding

Your homeowners insurance typically won't pay for carpet cleaning if the cleaning is needed due to damage from a natural flood. Natural flooding is something that is excluded from most home insurance policies and you must purchase a separate policy to cover flood damage. However, even with a separate policy, the carpet cleaning may not be covered.

Neglect

In many cases, if you did not maintain upkeep of your home and its plumbing pipes, which is what caused the busted pipe, then your insurance company generally has the right to deny your home insurancecarpet claim.

Call to speak to one of our independent agents that serve the Pomona 91766 area. We are more than happy to discuss what your policy covers and does not cover. This way, if you do not have adequate coverage for flood damage, we can add it for you. Additionally, we can discuss with you about whether your cheap home insurance policy covers carpet cleaning or if it can be covered for an additional cost. Remember, we're here to help and make life easy for you!

Types of Home Insurance Coverage in Diamond Bar, CA

Homeowner’s insurance coverage in Diamond Bar, CA is created specifically to meet the needs of residents in this area. While each family is unique, and thus every policy may be different than the next, most homeowner’s coverage does share some characteristics in common. The following types of insurance coverage are something that you should ask to include in your homeowner’s policy in order to get the best possible coverage for your home and family.

Insurance for the Home

The house itself needs to be insured against both damage and total loss. Your policy maximum should be an amount that would enable you to build or purchase a new home in the event of a total loss.

Insurance for Other Buildings on Property

Your property may have other buildings that need to be included in your insurance policy. This would include a pool house or a gardening shed, for example.

Insurance for Personal Belongings

Everything that is inside your home, and in fact everything that is on your property, is a possession that needs to be included in your insurance policy.

Insurance for Time Loss

If your home is severely damaged or is declared a total loss following a disaster, you will be unable to live there while renovations and repairs are ongoing. Insurance for the time you lose from living in your home should be included in your policy so that you are able to pay for temporary housing.

Liability Insurance

All homeowner’s policies need to protect the homeowner from claims by people who are injured on property. If you are found responsible for injuries to someone else, your insurance should cover any claims.

Don’t get caught without the level of homeowners insurance coverage needed. You can easily compare quotes online with THINK Ins. & Financial Services today. We will help you determine the right policy to keep your home and family stay safe and secure!

Does home insurance cover structural damage of my home?

Damage to the structure or foundation of your house can be expensive to repair, but it is essential for the continued use and safety of your property. Although there are situations that may be covered by your home insurance policy, the details and the cause of the damage can play a role in determining if you have coverage for the repairs.

Earthquakes and Floods

In general, home insurance policies will not have any coverage for earthquakes or floods in the basic policy. If the structure of the house was damaged during a flood or an earthquake, then you may not have coverage.

Although the basic plan does not include coverage for the situations, you may be able to add coverage so that the perils are handled. There are additional coverage options available through many insurers and you may have separate policies available if you are not comfortable working with the same provider.

Storms, Fires and Covered Perils

Whenever damages are caused by a peril that is specifically covered in your policy, you may be able to make a claim on your insurance. Many insurers offer coverage for certain situations and will pay for the repairs after you have paid the deductible as long as the cause was related to the situation.

Keep in mind that the extent of the damages can impact your options. If the cost of repairs is greater than the value of the house, then your insurer may only pay up to the value of the property.

There are a variety of situations that can arise and the damages to the structure of your house can impact your options. If you want to learn more about protecting your house from potential risks, then contact us to talk to an agent for more information today.