Should I Bundle My Home Insurance With Other Insurance Policies?

You hear of bundling insurance often, especially home and auto. You get advice about it and see commercials about it, but you are still not sure if it is the best choice for you. At Biddle-Shaw Insurance Services, Inc., we want you to understand the benefits of bundling insurance so you can make the best decision for you. 

Discounts

One of the most significant benefits of bundling is that most companies offer a discount if you bundle with them. Many people bundle their phone and the internet or their internet and cable because they receive a discount when they do. Bundling your insurance works similarly.

One Bill and Agent

Paying bills is bad enough, but paying multiple ones is even worse. You can save yourself some time and trouble of getting around San Francisco, CA by bundling since you pay all of your insurance at once. Additionally, when you do business with only one agency, you have a better opportunity of building a relationship with that agent.

Potentially Lower Deductible

There is a possibility that you will have a lower overall deductible to meet as your two policies are joined.

Consumers must do their due diligence. At times, though it is rare, bundling may not provide a discount. There is also a chance that bundling two insurance types may affect the coverage you receive. This is why it is vital that you do your research before signing any contracts. You want to be sure you are getting the best deal, that the agency you choose can answer any questions you may have, and that they are transparent with the quality of the coverage you will receive through bundling.

If you reside in San Francisco, CA, and have any questions about bundling your insurance policies, give Biddle-Shaw Insurance Services, Inc. a call. You can count on us to help you make the best choice for you and your family.

 

Why a home inventory is a good idea

Owning a home in San Francisco, CA is a dream come true. When you own a home, you probably have a mortgage and your lender will require that you protect their investment by carrying home insurance. Home insurance also protects you since it provides coverage for not only the physical building itself but also your personal belongings. Biddle-Shaw Insurance Services, Inc. offers its clients and future clients the benefit of their years of experience when it comes to choosing the right home insurance. 

If your home is damaged or destroyed by a covered hazard, you can lose all or part of your personal possessions. Imagine having to reconstruct from memory your entire home and what you have in every single room, drawer, closet, and cupboard. It is a daunting prospect. This is why creating a home inventory is a good idea. With a home inventory, you will have all the proof that you need to verify the things that you owned prior to the hazard that caused the damage. 

To create a home inventory, go through your home room by room and write down all the things in the room. Be as specific as possible. For example, saying a sofa is not enough.  You will need to describe the sofa. If you have proof of the money spent on items, include that with the inventory. Take photos to go along with the inventory. For higher-priced items like electronics, be sure to note the brand and model. The inventory should then be stored in a safe place, preferably off-site but at the very least in a fire and water-resistant box. 

Your home is your castle, and in San Francisco, CA, Biddle-Shaw Insurance Services, Inc. understands that. Why not give our office a call or stop by to discuss the value of a home inventory and any other insurance needs you may have. 

 

Does Home Insurance Cover Damages Associated with Sink Holes

For the most part, people are not going to have to deal with sinkholes. For others, it is a real concern. Sinkholes are an occurrence when the ground sinks or opens up to fill a hole that is beneath the surface. For those that live in the San Francisco, CA area, Biddle-Shaw Insurance Services, Inc. can help you to find the policy that is going to work best for you.

Home insurance policies, in most cases, do not cover ground movement or settling in a home. In some cases, a sinkhole may fall into the ground movement category, which means it is not going to be covered by your home insurance policy. Even if your standard policy does not cover sinkholes, but you feel that you are going to have issues with sinkholes, you may want to take out a secondary sinkhole policy.

In areas where ground movement is likely to occur, you may want to take the time to find an excellent policy that is going to help protect your home. A sinkhole policy is going to help make sure that if your home is damaged from a sinkhole, you are not going to have to fix it alone. Sinkholes are something that may not be common, but if you live in an area where this type of ground movement is common, you may want to look into a policy.

For those in the San Francisco, CA area, the agents with Biddle-Shaw Insurance Services, Inc. can help you to find the perfect coverage for your home. We will work with you to find a policy that matches your needs and answer your questions.

Tips and Tricks for Home Insurance With Pets

At Biddle-Shaw Insurance Services Inc., we find that many of our San Francisco, CA residents, and those in the area, experience worse insurance rates due to pets. Thankfully, there are several tips and tricks that you can use to lower your rates and avoid complications. 

Train Your Pup to Limit Liability 

Insurance companies will be pleased with you if you train your pup to behave. This training will show them that you take your pup’s potential for damage very seriously and that your dog has been adjusted to avoid issues. Don’t hesitate to get multiple types of training to boost the effectiveness of your insurance policy. 

Buy Kid-Friendly Animals 

The worst problem you’ll experience with pets is if they tend to bite children. Animals who bite will cause you increased insurance rates and higher co-pays. Thankfully, you can buy dogs who are friendly with animals or cats who don’t scratch to get the best results. Talk to your agent about which animals get the best rates and then focus on these animals. 

Create an Outdoor Exercise Area

Many pets – dogs in particular – get bored when left alone for too long and will lash out by chewing home items. This problem is one that can affect your insurance rates in a variety of ways. Instead of leaving your dog indoors, create an outdoor area with toys, food, a dog house, and items that your pet  appreciates while you’re gone. In this way, you can show your insurance company that your home is protected.

Get Professional Help

So if you live in San Francisco, CA and you want to own pets, make sure that you contact us at Biddle-Shaw Insurance Services Inc. to learn more. Our professionals will work hard to find you a policy that costs you as little as possible but which still protects you from pet-related damage.

Why You Should Purchase Home Insurance on Properties That You Are Renting Out

Home insurance is not only for the homes in which we live primarily. For some homeowners, they own several properties that are rented out to tenants and their families. If you own multiple properties in the San Francisco, CA area, be responsible and purchase home insurance on these properties today. Biddle-Shaw Insurance Services, Inc. has a policy that will fit your needs and protect your property.

Fire Damage

Often, there are unforeseen accidents that can happen in a home, whether you are living in it or renting it out. In the event that one of your homes has fire damage, that structure may be covered under your home insurance policy. Any building on your property, as well as home damages, will be covered. 

Vandalism

Unfortunately, damage can occur to the exterior of your home if you live in a high traffic area. Expect coverage from your home insurance policy if one of your homes falls victim to vandalism. Damages to broken windows, graffiti, and other exterior damages can be costly without an insurance policy. 

Personal Property

While the personal property of a tenant will not be covered by a landlord’s policy, any personal property that you have inside will be included in the policy when damaged by fire or theft. Any appliances, furniture, or equipment that belongs to you as the owner is covered in your policy. If a landlord provides appliances in the rental agreement with tenants, as a landlord, you will need to make sure that you can include them via insurance should tragedy strike. 

Cover Your Properties 

If you do not have home insurance on your multiple properties, let Biddle-Shaw Insurance Services, Inc. provide you with the coverage you need today. Our agents serve homeowners in the San Francisco, CA area and surrounding communities. 

 

 

Home Insurance and Refinancing

When you refinance your home it means that you are adjusting the amount of money that you are paying for your home and that you may be able to have less home insurance coverage. It is important that if you are working to refinance your home, you also reevaluate how much home coverage you need. For those that live in the San Francisco, CA area, the agents with Biddle-Shaw Insurance Services, Inc. can help you find the perfect policy for your refinanced home.

Refinancing means that you are going to take out a smaller loan or that you are changing the terms of your financing for your home. When you refinance your home, you may also need less home coverage and you need to take the time to make sure your coverage is properly aligned. You may need more or less coverage depending on how much you finance along with other factors. Taking the time to look at your home coverage after you refinance may mean that you can take out a smaller policy and therefore have lower premiums.

This is not always the case. However, you may still want to have a broad policy to cover the cost of replacing the home rather than just taking out an insurance policy for the cost of your mortgage or the loan that you have financed. At the least, your loan amount and your coverage should be in line with one another and should reflect one another to make sure that if your home is damaged, you have the funds to pay off your loan and start over. You can talk with your agent about what needs to be done to adjust your insurance policy properly.

For those in the San Francisco, CA area, the agents with Biddle-Shaw Insurance Services, Inc. can help. Reach out to our offices to find out more about refinancing and home insurance policies for your residence.

Tips for Spring Home Maintenance

Your homeowner’s insurance policy will not cover damage done to your home that is caused by a lack of maintenance. As such, at Biddle-Shaw Insurance Services, Inc., serving the greater San Francisco, CA area, we make it a point to let our clients know how important routine home maintenance is. Not only does it help protect your home and its value, but it helps to ensure homeowners insurance claims are not denied because of maintenance issues or problems. Spring is almost upon us, which means that certain home maintenance is needed.

Here are a few of the tips for spring home maintenance. 

Trim Your Trees Back

Winter can be brutal on your trees. Strong winds can damage limbs, cold temperatures can cause damage, and heavy rains can cause the roots to be exposed. When it begins to warm up, you should have your trees inspected by an arborist if there are any signs of damage. Additionally, the tree should be trimmed to remove dead growth and make way for new life. 

Check Your Roofs and Gutters

Spring is the rainy season. If your roofs and gutters are not ready for the rain, leaks and damage can occur. As such, at the end of winter or beginning of spring, you want to take the time to have your roofs and gutters inspected. If any damage is noted, repairs should be made quickly to prevent further rain damage. 

Get Your Air Conditioner Ready for Summer

Lastly, spring is the perfect time to have your air conditioner inspected and tuned up. This helps to ensure that when temperatures increase, your unit will be working correctly to keep your home cool. 

Maintaining your home is important, and just as important is having a homeowners insurance policy that fully covers your home and the problems it may face. If you are in the market for a new homeowners insurance policy in the greater San Francisco, CA area, turn to Biddle-Shaw Insurance Services, Inc. Call us now for a free quote.