Category: Home Insurance

Home is where the heart is – and it’s probably where a big chunk of your financial investment lies too. Safeguarding that investment with a reliable home insurance policy is common sense. But it’s not enough to merely have insurance. Regular reviews of your policy are crucial. Gambino & Wasson Insurance Brokers, Inc. in Tustin, CA, discusses the benefits of periodically reviewing your home insurance policy.

Ensuring Adequate Coverage

One of the prime benefits of reviewing your home insurance policy is to ensure it continues to provide adequate coverage. As time passes, the value of your home and belongings may change, and so should your coverage limits. This is particularly important if you’ve made significant home improvements, added expensive items to your home, or if local rebuilding costs have increased.

Opportunity to Avail Discounts

Regular reviews allow you to spot any potential savings. For instance, installing a security system or fire safety equipment could potentially decrease your premiums. Also, your insurer might be offering new discounts that you could be missing out on.

Protection Against New or Increased Risks

Living circumstances and local risks can change over time. Maybe you’ve welcomed a new pet, or perhaps wild weather events have become more common in your region. Regular reviews ensure that your policy takes these changes into account and provides the relevant coverage.

Maintaining Currency With Regulations

Laws and regulations governing insurance coverages often change, and these can impact your policy. Regular reviews ensure your policy stays compliant with these changes and takes advantage of any potential benefits they offer.

Reach Out Today

At Gambino & Wasson Insurance Brokers, Inc., we believe that a well-informed client is a protected client. For more insights or professional help in reviewing your home insurance policy, please reach out to our team in Tustin, CA.

When it comes to protecting your home, the team at Gambino & Wasson Insurance Brokers, Inc., located in beautiful Tustin, CA, understands that it’s more than just bricks and mortar you are protecting – it’s your safe haven and holds a lifetime of memories. A key part of this protection comes down to understanding what your home insurance covers, particularly in the event of a natural disaster.

Home Insurance and Natural Disasters

Dependent on your policy, home insurance may cover some natural disasters, such as storms, fires and hail. However, it’s critical to note that not all perils are covered. Many insurers often exclude certain widespread disasters such as earthquakes or floods from traditional home insurance policies.

Additional Coverage Options

If you find that your policy doesn’t include specific natural disasters, particularly those your locale is prone to, you might want to consider additional coverage known as riders or endorsements. For instance, those in earthquake-prone zones may opt for earthquake insurance, while homeowners in flood-prone areas may look toward a separate flood insurance policy.

At Gambino & Wasson Insurance Brokers, Inc. in Tustin, CA, we believe insurance should never be a ‘one size fits all’ model. Thus, understanding natural disasters and your home insurance is vital to ensuring your home is adequately protected. We stand ready to review your existing policy and recommend enhancements to give you that all-important peace of mind.

Contact Gambino & Wasson Insurance Brokers, Inc.

To fully protect your home, it’s essential to know exactly what your current insurance policy covers. Don’t wait until the unexpected happens, talk to an expert to review your coverage and safeguard one of your most critical investments from all forms of natural disasters.