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23929 Valencia Blvd, Suite 309
Valencia, CA 91355

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What home insurance covers and what it doesn’t cover

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Home insurance provides peace of mind. It protects your largest investment from many of the things that could go wrong, but unfortunately, it doesn’t cover everything. Knowing what is missing in your coverage is important. Lucas Insurance Services Inc in Santa Clarita, CA has been serving the Antelope Valley and across Southern California for decades, and we work hard to earn our customers’ trust and approval. 

What Is Covered

Property

Property coverage protects your home, any attached structures, and also detached structures. It covers many things like tornados, hurricanes, and fire. 

Liability

This coverage protects your assets from any legal actions against you from an injury received at your home or by a member of your family. 

Content

Your possessions are covered up to the limits of your policy when they are at home or when they travel away from home with you. 

Loss of use

It’s good to know if your home is damaged, you will be provided with the money you need to stay somewhere else until the damage is repaired. 

Not Covered

Owner neglect

As a homeowner, your insurer has the expectation that you will maintain your property. If you don’t and damage happens, the repair is on you and the home insurance won’t cover it. 

Flood

Flooding causes a lot of damage, even as little as two inches can cause thousands of dollars in damage. Home insurance doesn’t cover floods, but you can obtain a flood insurance policy if you live in a danger zone. 

Earth Movement

Whether it is an earthquake, sinkhole, landslide, or mudslide, it is not covered by your traditional home insurance policy.

Pest invasion

If you have termites, ants, rodents, or any other pests, your insurance doesn’t cover them. 

Get Home Insurance Today

Contact Lucas Insurance Services Inc. in Santa Clarita, CA for all your home insurance needs. 

California Auto Insurance Requirements

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Every US state sets its own auto insurance minimum requirements. When you contact Lucas Insurance Services Inc. in Santa Clarita, CA, we’ll automatically include in your insurance estimate the required CA insurance even if you call us about collision or comprehensive insurance coverage.

That’s because the collision or comprehensive coverage that you want to purchase to protect your own vehicle, does not protect the other drivers and passengers on the road. Only the state-required liability and property damage insurance does that.

California Minimum Liability Insurance Requirements

When you purchase an automobile for private passenger use, the state of California sets specific requirements. These will differ if you purchase a commercial vehicle. For your private vehicle, you’ll need the following coverage, according to California Insurance Code §11580.1b:

  • liability coverage in the amount of $15,000 for injury to or death of one person,

  • liability coverage in the amount of $30,000 for injury to or death of more than one person,
  • property damage coverage in the amount of $5,000 for damage to another individual’s or organization’s property.

A liability insurance policy provides compensation to an individual or organization besides the policyholder whose property the policyholder damaged. Essentially, the state wants to ensure that you can meet the requirements of repayment if you damage something someone else owns or you cause them medical injury in an accident.

Suggested Higher Coverage Limits

The state minimums offer a starting point. The minimum required policy might not cover everything in an accident. For instance, the second coverage minimum of $30,000 for more than one person means that the total amount gets covered under the policy. It doesn’t mean per person.

If you only injured one individual, the policy would pay up to $15,000 in damages to that person. If you injured four individuals, the $30,000 maximum covered by the insurance policy means that each individual could receive up to $7,500.

California is one of the most expensive states for medical care, a visit to the hospital costs $3,726 per day; an overnight stay vaults the cost up to $9,300 to $13,600, depending on whether you carry medical insurance. That means the minimum liability coverage the state requires might cover one night of each individual’s hospital stay and some medicine. The rest would come out of your pocket.

Give Us A Call

Contact Lucas Insurance Services Inc., serving Santa Clarita,CA, for more information about auto insurance that covers your financial risk of driving. Let us help you protect your financial future.

What Are Some Common Exclusions In Commercial Insurance Policies?

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As a business owner, it’s important to understand the different insurance policies available to you. One type of policy that is commonly purchased by businesses is commercial insurance. This policy can protect your business in the event that something goes wrong.

However, there are some common exclusions in commercial insurance policies that you should be aware of. Lucas Insurance Services Inc in Santa Clarita, CA can help you navigate this important coverage.

Here are some of the most common exclusions in commercial insurance policies:

Flooding

Flooding is one of the most common natural disasters excluded from commercial insurance policies. This is because flooding can cause so much damage and be so expensive to fix that it would bankrupt most insurance companies if they had to cover it. If you live in an area prone to flooding such as Santa Clarita CA, getting a separate flood insurance policy from Lucas Insurance Services Inc is important to protect your business.

Wind Damage

In many parts of the country, the wind is one of the most common causes of property damage. While your commercial policy will likely cover some wind damage, there are often limits or exclusions. For example, if a tree falls on your building as a result of high winds, your policy may only cover the cost of removing the tree, not repairing any damage to the building itself.

Earthquake Damage

If you live in an area prone to earthquakes, you’ll need to purchase a separate earthquake insurance policy to be fully protected. This is because damage from earthquakes can be so extensive and expensive to repair that most commercial insurance policies exclude it.

Business Interruption

If your business has to close for any reason, you may not be covered by your commercial insurance policy. This is because most policies only cover physical damage to property, not lost income. If you want coverage for business interruption, you’ll need to purchase a separate policy or add an endorsement to your existing policy.

Contact Us Today

As you can see, there are a variety of exclusions that could be included in your commercial insurance policy. It’s important to talk to a professional agency like our team at Lucas Insurance Services Inc in Santa Clarita, CA, to make sure you are getting the best coverage for your business. Give us a call today, and let’s chat about your options.

Why Every Homeowner Needs Home Insurance

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If you own your own home, you know what a big expense it is. For most people, it’s their very largest investment. This investment needs to be protected, and you can do that by having home insurance. With a home insurance policy, you can give your home the protection it needs if the worst should happen. When you need a home policy, call us at Lucas Insurance Services Inc in Santa Clarita, CA.

You Need Home Protection

One of the most important types of coverage that you get from home insurance is coverage for the home itself. The home is expensive, and if it gets damaged, that will be expensive as well. With home insurance coverage, you can get the repairs paid for when a damaging event happens to your house. With the high cost of home repairs, it’s important to have this coverage in place to pay for it all. If your house is destroyed in a calamity or covered disaster, the policy can pay for it to be rebuilt. 

Item Protection Is Important

The items inside your home all add up to a lot of value, and it would be extremely expensive to replace it all. That’s why home insurance protects your personal items as well as your home. When you have this coverage and a covered event happens that destroys your possessions, it pays for you to get new ones. This coverage can help you to replace your items quickly when something serious happens to your home and belongings. When you have this coverage, you are well protected against a number of incidents that can happen to your belongings. 

Get Coverage For Your Home

If you own a home and it isn’t covered by home insurance, call us at Lucas Insurance Services Inc in Santa Clarita, CA.

Who should get an auto insurance plan in Santa Clarita?

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Owning a car or other vehicle is often considered a necessity for those in the Santa Clarita, CA area. When you are a vehicle owner here, it will allow you to get around the community more efficiently. Once you are ready to start looking for a car, you also need to start looking for the right insurance. There are various situations when someone needs to have this coverage here. 

When To Get Auto Insurance?

When Financing a Vehicle

A situation when someone will need to have an auto insurance plan will come when they need to finance a vehicle purchase. As car prices continue to rapidly increase, taking out financing is continuing to be more of a necessity for car owners. While it can allow you to purchase a car, it will come with some requirements. A common requirement found in auto loan agreements is to carry insurance to protect the car. Having coverage will help keep you in compliance with this obligations.

When Driving a Car

If you want to drive a car in California, you will be required to carry liability insurance. This insurance will ensure you can cover damages if you are at fault in a vehicle accident. If you are not covered with enough liability insurance, you will have to cover damages out of pocket and also will be in violation of this state law.

Contact Us Today

As you are looking to properly insure your car in the Santa Clarita, CA area, it would be helpful to call the team with Lucas Insurance Services Inc. If you are going to call the professionals with Lucas Insurance Services Inc, it will give the support necessary to build an ideal policy. The team here takes a personalized approach to understanding your insurance needs and will give the right guidance necessary so you can build a proper plan. 

How To Protect Your New Business

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If you have just launched a business, you are probably riding pretty high on the feelings of excitement and accomplishment. To keep your business healthy and successful, you will want to take the necessary steps to protect your new business. At Lucas Insurance Services Inc, serving Santa Clarita, CA, we can help by providing you with the information and insurance products you need. Keep reading to learn how you can protect your new business this year. 

How To Protect Your New Business 

Invest In Commercial Insurance 

One of the most important ways you will protect your business will be to invest in a quality commercial insurance policy. Commercial insurance is designed to protect business owners with several distinct layers of protection. You have invested a lot of time, energy, and money in your business. You can protect these investments with commercial insurance. 

Train Your Employees Carefully

Your employees can be your biggest asset or your worst liability, depending on how they are trained. When employees lack proper training, they can put your company at risk. This is especially true if your employees must interact with customers or clients on a close contact basis, like in their homes or through physical contact. Invest time in solid training now so as to avoid risks in the future. 

Prioritize Safety At Work 

If you want your business to be thriving for years to come, you need to prioritize safety. This includes safety at the workplace, safety when employees are using company vehicles, and any time they are interacting with customers. You can prioritize safety with thorough training and zero tolerance for unsafe practices or behaviors. 

If you would like to learn more about commercial insurance or any of our other insurance services, please contact us at Lucas Insurance Services Inc, serving Santa Clarita, CA. 

Creating and storing a home inventory

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Homeowners in Santa Clarita, CA can turn to Lucas Insurance Services Inc for their home insurance needs. As an independent agency, we can provide the most choices since we work with a variety of top carriers. It allows us to find the perfect home insurance for you and your home and get you the best price. 

Creating a home inventory

A home inventory is a listing of all the possessions in your home and other buildings on your property. If a covered hazard hits you, you will need to provide information about what you had before the event when you file a claim. When your home no longer exists or is heavily damaged, it is hard to picture what was previously in each room. It makes good sense to create an inventory while you can see what you have. 

You can do it digitally or with a pad and pen, but whichever method you choose, having pictures of every room in your home is a must. Take the time to list the items individually, giving as much detail as possible. List the brand, the style, model numbers, and serial numbers if appropriate. If you have sales slips or receipts, attach them to the list, and if you have pricier items, get an appraisal and make sure you have adequate coverage. 

Do all the rooms, closets, open doors, and drawers; go to the basement, the attic, and the garage or shed. Once you are finished, you need to find a safe way to store the inventory. Placing a copy in the cloud is one secure option. It is safest to have it away from your home and in a water and fireproof container. 

Give us a call

Contact Lucas Insurance Services Inc in Santa Clarita, CA, when you require home insurance or if you have questions. We are happy to be of service. 

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