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There are a few questions you need to ask when obtaining auto insurance in California and Huntington Beach. Having the right auto insurance protection can ensure your auto and vehicle’s are protected in the event of an accident.

If you own a business, you may need a commercial auto insurance policy in California. A couple of questions you may need to ask:

• Do you need more liability coverage? A commercial auto policy may need more coverage in certain areas your personal policy may not need.
• Do you need special coverage? Commercial auto has special needs for certain types of coverages you may need.
• Do you need to list any employees as additional drivers?
• Do you need your vehicle for business purposes? Depending on how your using your vehicle you may need a commercial auto insurance package in California.

Number1 Insurance is an independent insurance agency – trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your needs and those of your company.

Things Why Insurance Policy Wont Cover?

There are a few things that your normal home or property insurance policy won’t typically cover. These include flood, earthquake and terrorism disasters.

Policies will typically exclude flood insurance and separate flood insurance policy would be needed. You can find out from your insurance agent whether you would need a separate policy or if you’re in a flood zone.

Earthquake coverage is typically not covered in a home or business property insurance policy. If you live in an earthquake area, you would need a separate home and commercial property policy.

Since 2002, only businesses that purchase the optional terrorism coverage would be covered for losses arising from terrorish acts.

Contact Number 1 Insurance today to discuss these additional options that you may need to cover you successfully.

You need to Protect your Business

Owning the property wherever you run your business can be an excellent quality. Avoiding the concern of getting to answer to a landholder or be restricted in what you’ll be able to erect or amendment round the property could also be an enormous time saver. However, this doesn’t mean that you just shouldn’t take care of the property or let any a part of it make up unsoundness. General repairs and maintenance might facilitate to scale back expensive claims on your business property insurance in California.

Just like your home, the primary impression of your premises tells potential shoppers and business acquaintances a lot regarding you. Keeping the looks neat, tidy, and hospitable may be a nice type of advertising. You don’t have to have a manicured garden or fancy facades, however tending to the surface look and creating clear entrance ways is very important. Likewise, the upkeep of external and internal fixtures reflects your pride in your business.

Having a property secured properly is another vital facet. Outside lighting and clear pathways to entry points might eliminate accidents as individuals enter and leave your premises. Creating time to examine the property on an everyday basis and attend to tiny issues before they become severe is nice to follow. Another sensible practice is to make sure that you have reliable business property insurance in California. By keeping this up-to-date and adequate for your wants, you’ll be able to have superior money protection for your company!

Contact Number 1 Insurance now so that we can help you!

Why you need to have a Earthquake Insurance?

Renters offer wonder if they may need earthquake insurance when they may think that it is covered under their landlord’s policy. However, usually a landlord has coverage over the building or property, but no necessarily your property.

A California renters insurance policy may not be enough coverage as well to protect your possessions. You should always ask your agent and policy whether your renters policy covers earthquake and flooding.

Here are a few tips to help in earthquake situations:

1. Locate safe spots in your property.
2. Plan a route out of the house.
3. Keep valuable shelves attached to the walls.

Contact Number 1 Insurance if you have any questions about your renters policy and what and how much is covered.

Salute to every soldier!

With Memorial Day on the way, everyone is looking forward to summer kickoff cook-outs.

Memorial Day was originally called Decoration Day and a day of rememberence for those who have died in our nation’s service. In today’s society, most of us know someone who has been in the military. This is a day where we take a moment to thank all of our soldiers who have given themselves for our country.

Not only do we think of Memorial Day for parades, but also for back yard barbeques. Did you know that grill fires result in almost 8,000 home fires annually, and you need to make sure you’re protected with your homeowners insurance. Memorial Day is a good day to consider your home insurance policy to make sure that you are properly covered.

In addition, here are some grilling tips to help prevent fires and having a claim on your homeowners policy.

1. Remember to dispose of your charcoal properly.
2. Have your grill in a safe spot and not in the garage. Its a good idea to have at least 10 feet from any structure and have fire extinguisher handy.

Thanks for reading Number 1 Insurance Blog and have a good holiday.