IDENTITY SHIELD
During the unlucky scenario that your good name falls into bad hands, having Farmers Identity Shield provides a means to fix what might eventually become an issue. Contact me to learn more regarding this quality protection.
APPLICANTS WITH LOSS PROBLEMS
“I’ll never manage to obtain insurance with this loss on my own record.” Although it might appear hopeless does not imply that it’s accurate. We assist lots of folks in getting home insurance, despite it seeming hopeless for them. Even though your situation is not perfect, does not imply that you should not have insurance coverage.
LANDLORD
If you have one or more properties which you rent, you might have specific insurance requirements. That’s the reason why we supply Landlord insurance. It’s custom tailored to match the specific requirements of landholders.
FLOOD INSURANCE
Odds are, should you reside in a flooding zone, you should, and might actually be required, to get Flood insurance within your Homeowners coverage. You can buy coverage against flood damage in many places as a part of the Nationwide Flood Insurance Plan.
SPECIALTY HOMEOWNERS
Our wide selection of Homeowner Coverage offers security and protection for specialty properties, such as: landlord properties, homes with cosmetic problems, low-value homes, older homes, market-value below replacement cost homes, and many more. Contact us today to see if we can provide excellent coverage for your home. Yes, we can!
MOTOR HOMES
Now more than ever, people are choosing homes on four wheels rather than permanently-fixed to foundation. When owning and operating a motor home, it is imperative to ensure that your home has the proper coverage wherever you are.
PERSONAL LIABILITY COVERAGE
Can you be sued for a post or comment on the internet? Unfortunately, yes, you can, and it happens quite often. However, the good news is that personal liability coverage protects against libel and slander.
PERSONAL UMBRELLA LIABILITY COVERAGE
Just as the name implies, umbrella coverage protects us from many forms of loss. Extending to cover personal auto, marine and home policies, a Personal Umbrella Policy shelters you from losses or loop-holes in coverage. In today’s society, we risk losing a great deal if we wind up in a lawsuit.
MOBILE AND MANUFACTURED HOMES
So your residence is really not a conventional “stick built” on a foundation. That does not imply that you simply don’t require Home insurance. We provide insurance for many different dwelling types. From mobile to manufactured, to multisectional to modular, and much more, we are able to ensure your house is covered.
RENTERS
Even though you don’t own the house that you live in does not imply that your valuable items should not be covered. Many people aren’t aware that personal belongings aren’t covered by a home-owner’s (landlord’s) insurance policy! Renter’s Insurance ensures that each and every belonging is insured throughout the duration of home rental. In addition, it covers personal liability in all of the country.
HIGH NET WORTH COVERAGE
We at Jeff Lecoeuche Insurance Agency Inc. realize that individuals of high net worth require coverages that go beyond pre-packaged, typical insurance plans. That is why we offer policies for secondary residences, rare collectibles, private marine, vineyard property, identity theft, and even ransom and kidnap.
Typical insurance plans are often insufficient in replacing lost income of high earners. Don’t spend one more day jeopardizing the financial well-being of you and your family. Contact us today to learn how this coverage can protect everything you’ve worked hard for.
PERSONAL PROPERTY COVERAGE
Is your home television and entertainment system covered? What about your wedding rings, engagement rings, or other priceless treasures? With Personal Property Coverage, we can ensure that these items and other personal belongings are covered in the worst case scenario.
HOMEOWNER / CONDOMINIUM
Our home is one of the most valuable things we own. It’s such a great feeling to have a place to call home. Likewise, there’s nothing more miserable than that great loss of losing it. The unfortunate fact is that the unexpected occurs quite often, and many people aren’t fortunate enough to have coverage. Residential Homeowner’s insurance assists in the assurance that there will be a place to call home if the worst were to happen.
TRAVEL TRAILERS
We provide protection for travel trailers, truck-mounted campers, pop-up campers, fifth-wheel, and more. We offer coverage for every style of home away from home.
EARTHQUAKE
The reality in California is that earthquakes can and will hit. It’s not a matter of ‘if’, but ‘when’ they will arrive. You want to be fully covered in the event of a major earthquake. You’ve probably seen those tragic outcomes from earthquakes on the television. It doesn’t have to mean the end of the world for you, however, as we sell the CEA package (California Earthquake Authority. It is managed by the state and funded by insurance companies.
With this coverage, you’ll have an opportunity to rebuild your existing damaged home or buy another one. This coverage is provided by all companies partaking in the CEA policy. Additional coverage and deductibles are also available.
10 Reasons Why You Should Review Your Insurance With Us
- If you experience a liability claim in Europe, will your homeowners policy pay?
- When is the last time you met with your agent? Did he answer all your questions?
- Will your insurance pay if you have to re-build your home in a different location after a total loss?
- Costs for construction have gone and may continue going up 5 to 10 % annually; do you have enough to rebuild your home?
- Are you happy with the cost of your health insurance? Can you do anything about it?
- Is your insurance agent working for You or for the insurance company?
- Do you want your home paid off in the event of your death?
- With costs over $10,000 per day for intensive care, will you or your car insurance pay the injury claim?
- If you have a car accident, are you at risk for home loss?
- Does your insurance policy cover your home-based business?
What if my home is burglarized?
Here are a few tips to help if you should encounter such a situation:
- If you suspect a burglar is still in the house, don’t go in! Go to a neighbor’s house to call the police.
- Wait until the police arrive before you enter and begin to take an inventory of what is missing. Don’t touch anything. The police may dust for fingerprints.
- Provide police with whatever information they require. Ask the investigating officer where you can obtain a copy of the police report. Make sure you write down the names and badge numbers of the police officers.