Tag: Palo Alto CA

Is it a good idea to have flood insurance for my home?

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For those that are living in the Palo Alto, CA area, owning a home can be a good long-term housing option. When you are going to buy a home here, you need to get the right insurance for it. This can include getting flood insurance in some situations. There are various reasons why it can be a good idea to get a flood insurance plan here. 

Meet Obligations

A reason that a lot of property owners in Palo Alto will need flood coverage is to meet their obligations. As property values are very high in this region, it is often a necessity to take out a mortgage when buying a home. Any mortgage lender will require you to carry insurance on your property. If you are living in a flood zone, this will include requiring you to have flood insurance. With a policy in place, you can comply with this obligation.

Reduce Flood Damage Impact

It can also be a good idea to get flood insurance to reduce the impact that can come with flood damage. If your home is damaged by a flood, the costs to make repairs can be extremely high. If you do not have flood insurance, you may have no insurance support through home coverage. With a flood plan, you will know that you are covered. 

Reach Out To Us

If you own a property in Palo Alto, CA, it’s crucial to obtain flood insurance. Cover your home today by reaching out to our dedicated team at Allied Brokers Insurance Agency Inc. We know the importance of this coverage and will assist you in selecting the ideal plan for your specific needs. You can count on our personalized approach to obtain the appropriate protection for your unique situation. Contact our team with Allied Brokers Insurance Agency Inc. today to learn more.

Does Commercial Auto Insurance Cover Personal Errands?

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If you’re a business owner in the Palo Alto, CA area and use your car for business purposes, you may wonder if commercial insurance covers your personal errands. The answer is that it depends on the type of policy you have. Allied Brokers Insurance Agency Inc. explains the different types of commercial car insurance policies available and how they can cover personal errands. 

What Is Commercial Car Insurance? 

Commercial car insurance is a type of policy designed to protect vehicles used for business purposes. This type of coverage typically includes liability, collision, comprehensive coverage, and other options like roadside assistance and rental car reimbursement. The cost of these policies varies depending on what kind of coverage is chosen and how many cars are being covered. 

Does Commercial Insurance Cover Personal Errands? 

The answer to this question depends on what type of commercial insurance policy you have. Commercial auto policies do not provide coverage for personal errands or pleasure trips, but some offer limited coverage for such activities. It’s important to speak with one of our experienced agents to ensure you get the right coverage for your needs. 

If you need coverage for personal errands or pleasure trips, there are additional options available through some insurers. You can purchase an endorsement package to add additional protection, such as rental car reimbursement and roadside assistance, or choose a full-coverage policy that provides more extensive protection against accidents and other risks associated with driving a vehicle for business purposes. 

Reach Out To Us

Contact an experienced agent at Allied Brokers Insurance Agency Inc. about purchasing additional endorsements or a full-coverage policy that provides more comprehensive protection against risks associated with using a vehicle for business purposes in Palo Alto, CA. 

Home Insurance and Frozen Pipes: What You Need to Know

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When the temperature drops, it can trouble homeowners in Palo Alto, CA. One of the most common winter problems is frozen pipes, which can cause costly damage to your home. So, if you’re a homeowner in Palo Alto, Allied Brokers Insurance Agency Inc wants you to understand what your home insurance coverage covers.

What Your Home Insurance Policy Covers 

Your home insurance policy covers losses caused by frozen pipes as long as they are considered “sudden and accidental” by your insurer. This means that if a pipe freezes and bursts due to an unexpected event—such as an unusually cold weather front—your policy will cover the cost of any repairs resulting from the water damage. But if freezing temperatures were forecasted for days or weeks in advance and you failed to take proper precautions, you may not be covered. 

It’s also important to regularly check these areas of your home throughout the wintertime for signs of frozen pipes—including reduced water pressure or discolored water coming out of faucets—and contact a plumber immediately if something doesn’t seem right. Taking these precautions now can prevent busted water pipes later on.

Protecting your home from potential damage caused by frozen pipes should be one of your primary concerns during cold weather months in Palo Alto, CA. Fortunately, Allied Brokers Insurance Agency Inc provides comprehensive coverage for any sudden and accidental damage resulting from this issue! Plus, taking simple measures such as keeping cabinets open and insulating exposed pipes is an easy way to further prevent unnecessary repair costs due to frozen piping. With these tips in mind, you can rest assured knowing that both you and your home are well-prepared for whatever winter may bring!