Every one of us has certain things that occasionally prevent us from getting a good night’s sleep.  These concerns might be a job, kids, an illness, or other problems in life. Our goal is to make sure that protecting your family with the right insurance is one thing that does not keep you up at night.

Here is how we help you get a good night’s sleep:

  1. We never sell you a policy. We ask questions and educate you so that the coverage you select is the right fit for you.
  2. Insurance is a complex transaction, so we work hard to make sure you understand how insurance works before you make a decision.
  3. Our team is licensed, and we have years of experience, which helps us better educate and guide you in your insurance needs.
  4. We are here to answer any questions you may have regarding your insurance decisions.

According to an Insurance Journal article, here are the top issues that keep people up at night:

  • Earthquakes and other natural disasters
  • Wildfires
  • Home fire
  • Identity theft

We Can Provide Insurance Solutions For Each Of These. 

According to many experts, California is one of the top-rated states for disasters. That is why it is important to have the best possible combination of disaster coverage, price, and service.

Homeowners Insurance Vs. Wildfires and Other Disasters

Most homeowner’s insurance policies will cover losses from wildfires. The insurance company will pay the cost to repair and restore your home and replace your personal property. If you are forced to evacuate your home and vandalism occur, your homeowner’s insurance will also cover that loss. Some homeowners’ insurance policies also provide a limited amount of coverage for trees and shrubs.

Home Insurance Vs. Earthquakes

Earthquake insurance must be added to your personal insurance program through a separate policy or endorsement to your current homeowner’s insurance converges.

Homeowners Insurance To Consider For Disasters

Every homeowner’s insurance policy is different, but there are some coverage’s that you may want to consider that will help you in the event of a disaster.

Additional living expenses can provide you with additional coverage for expenses associated with a covered loss. This can include renting a hotel in the event your home is damaged and needs to be repaired. It can cover hotel bills, restaurant meals, and other costs, over and above your usual living expenses, incurred while your home is being rebuilt, as a result of a covered loss.

A standard homeowner’s insurance policy will provide some limited coverage for other structures on your property. If you have barns or other structure, you might want to call your agent to make sure they are covered.

Damage To Your Home From A Fire

Having your home damaged or destroyed by a fire can be emotionally and financially devastating.

It can be overwhelming trying to rebuild your life after a fire, but if you have the right kind of homeowner’s insurance, you may not have to deal with a catastrophic financial loss.

Without insurance, a house fire could be a crippling and permanent loss for you and your family. Protect your home with homeowner’s insurance or renter’s insurance today. We have a wide range of insurance products to protect you, your property, and your belongings. Contact us for a free homeowner’s fire insurance quote or renter’s insurance quote today.

Help prevent fires – According to the National Fire Protection Association (NFPA), seven people die from home fires every day, half of them in fires that started between eleven o’clock at night and seven o’clock in the morning. Smoke detectors are the best prevention method. Make sure you have working smoke detectors in your home. Place one in every bedroom, the kitchen, garage, and basement.

How to reduce the threat of a burglary – The average loss from a home burglary is around $2,400. Do you think you will ever see your property again? There are ways to reduce the risk of burglary, including having a home security system, keeping all doors and windows locked when gone, installing door and window bars, and installing dead bolt locks.

 

Identity Theft

Identify Theft Insurance – Identity theft insurance provides reimbursement to crime victims for the cost of restoring their identity and repairing credit reports. This type of insurance will help you with certain kinds of expenses to aid you in restoring your credit.

There are other programs that go beyond identity theft insurance and monitor your credit as well as actually do the legwork necessary to restore your credit. These kinds of services are offered for a fee and do some or all of the following.

  • Identity restoration
  • Monitoring services
  • Reimbursement for lost funds
  • Alerts if personal information has been breached
  • Child identity protection

McCormick Insurance Professionals

Since 1992, Wayne McCormick has provided homeowners insurance coverage at competitive rates for homeowners and renters in San Diego County and Southern California.

Let us help you save even more by combining your home and auto insurance. We can also help you can save hundreds on your life insurance, umbrella insurance, motorcycle insurance, boat / watercraft insurance, RV / travel trailer insurance, commercial insurance, and more. We even offer surety bonds!

Are you curious to know how you can save more by combining your auto and home insurance? (619) 276-0492. The Wayne McCormick Insurance team in San Diego is ready to serve you, and help you save on your auto, homeowners, condo or apartment building insurance.