Auto and Homeowners Insurance
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Auto and Homeowners Insurance Information
Richard Turner offers Affordable Auto and Homeowner Insurance in San Diego, CA
California Auto & Homeowners Insurance Bundles
Your house and your car are probably the most essential and expensive items you own. You need a place to live and a way to get around. Still, your property assets and your vehicle are both liabilities that could suffer expensive losses if you are not careful, and even the best-laid safety plans are not foolproof. That is why you need both homeowners and auto insurance.
To make it easier for you to get this coverage without confusion or hassle, most major insurance companies offer bundling options. Home and auto insurance bundles make policy management simple, cohesive and usually more affordable for those who take this route.
If you need auto or home insurance bundles, but are not sure where to start, then Richard Turner Insurance is here to help. We offer quality insurance solutions for all residents of greater San Diego and beyond. You can trust us to help you find the perfect policy for your needs.
To get your policy bundle started:
Common Insurance Bundle Questions
How do Home and Auto Insurance Bundles Work?
Bundling your policy just means that you buy multiple policies from the same insurance carrier. The benefits are numerous when you do so. By bundling your home and auto insurance you will be able to manage your policy costs, coverage options and claims in a much easier way than you would if you bought your coverage piecemeal.
Can You Save Money by Buying an Insurance Bundle?
By bundling your insurance policies, you might receive numerous financial benefits:
Many insurers offer discounts for bundling your policies, which will lower your premiums.
You will generally be able to pay for all policies at the same time, lowering your risk of missed payments, late fees and policy termination.
If you file a claim on both your car and home insurance for the same incident, then you might only have to pay a single deductible for the claim. Therefore, this could save you money on your out-of-pocket expenses.
Is Bundling Right for Me?
Bundles are great options for most people. However, if you have a high-value home or a specialty vehicle, then these items might not be insurable as part of a bundle. Still, never hesitate to ask your agent if these options are available.
What Car Insurance Do I Need?
When building the auto insurance portion of your insurance bundle, your goal is to get coverage that will pay for the damage, injuries and other costs that might arise following vehicle accidents or other driving hazards. You will need several benefits:
Other necessary coverage might include gap insurance, replacement cost coverage, vanishing deductibles or umbrella liability coverage.
California requires all drivers to carry proof of financial responsibility. Auto insurance is one way to get this proof. All plans written for California drivers must contain the following minimum limits:
$15,000 bodily injury liability coverage per person
$30,000 bodily injury liability coverage per accident
Still, you can increase these limits, and it is always beneficial to do so. Our agents are happy to help you choose the coverage limits, deductibles and specialty endorsements that are to your advantage.
What Insurance Should I Buy for My Home?
You use home insurance to protect your property and your family against damage risks and other liabilities that could lead to costly repairs, lawsuits or other losses.
Optimal protection for you usually includes:
There are numerous other benefits that you might be able to add to your plan such as pet liability coverage, scheduled items riders, identity theft coverage and more.
If you plan to finance your home, then your lender might require you to buy homeowners insurance. Certain mortgage lenders demand this coverage of loan applicants because it helps them protect their investment in this property. However, whether you have a coverage requirement or not, you should still carry home insurance.