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.
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.
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.
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.