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Keeping Your Homeowners Insurance Affordable

One of the best ways to help keep your homeowners insurance affordable is to shop around annually for homeowners insurance. Not only will you be reviewing your needs and can easily make changes as your situation changes, but you can shop the market to find the best rates and best coverage for your needs. Another easy option to help with the affordability of your home insurance is to raise your deductible.

You may already be doing this, but if not you should look at bundling your different insurance policies with the same insurance company. Having multiple policies with the same insurance company will often provide discounts to all of the policies. It can also help to ask for any discounts that the insurance company is offering, from military discounts to safe driver discounts and more.

Adding Security Can Help in Multiple Ways in Murrieta, California

One option that more homeowners are looking at adding to their homes in Murrieta, California is security cameras. These can be positioned indoors and outdoors and can not only catch an illegal action at your property, but they can also be a deterrent preventing negative actions from happening in the first place. Our team at Carver Insurance Services can help to explain what security equipment may provide a bit of a discount for your home insurance.

Protecting your investment into your home is important, but so is working with a knowledgeable partner that puts you first. In 1990, residents began a campaign for city status which resulted in the incorporation of the City of Murrieta on July 1, 1991. Murrieta was the safest city in Riverside County in 2012, and in 2009, Murrieta was listed as the second-safest city (over 100,000 in population) in the United States, behind Irvine, California. There are 52 parks in the city of Murrieta, including one community pool, one skate park, three sports parks, two dog parks, two disc golf courses, an equestrian park, and various natural areas. Contact us today to schedule a review of your home insurance needs.

We love our vehicles in Murrieta, CA, and this is evidenced by all of the customization that people with their vehicles. Whether it’s a new paint job, a lift kit in a truck, or other modifications, you should ensure that your vehicle is properly covered with the right auto insurance. At Carver Insurance Services, we can help you to cover not only your car or truck that you drive, but we can also help with the coverage for these special modifications. This is one of several different aspects that are not covered normally with regular auto insurance. Some of these items are really common sense, but when the time comes to use your auto insurance many are surprised by them. Don’t be the one surprised after an accident, know what your coverages are before you need to use them. Contact us today to review your auto insurance and be sure that everything on your vehicle is covered.

Things That Are Not Covered with Auto Insurance

The upper limit of your auto insurance is where your coverage ends. For whatever reasons this surprises people as they may think that any and all damage and costs are covered. Your auto insurance has a limit to what it will cover, and you will either need to have higher coverage amounts or have an umbrella policy to help cover costs beyond those limits. Intentional damage is also not covered, so don’t be using your vehicle as a demolition derby vehicle.

Your normal auto insurance policy will also not cover mechanical breakdowns unless it is part of a covered peril. Don’t use your personal vehicle for things like ride sharing or other commercial uses; you will need to have commercial auto insurance for these uses. Routine repairs and maintenance, such as oil changes and more, are also not covered as part of your auto insurance.

Don’t Just Take the Minimum Coverage Levels in Murrieta, California

Many people in Murrieta, California don’t want to bother much with auto insurance, other than making sure they at least have it. They will take the minimum required coverages, however they haven’t thought through just how quickly these minimums can be used up. In many cases, a single accident can easily go beyond the minimum levels of auto insurance and then the driver is responsible for any costs above these numbers. This can quickly add up with damage to property, medical costs, and more. At Carver Insurance Services, we can provide you with real-world data on accident costs.

No matter what sort of vehicle you drive, from a truck to an SUV to a small car or motorcycle, we can help you get the right auto insurance. It’s an equal distance from Los Angeles to the north and San Diego to the south, which makes it an ideal base for travelers. In 1873, after purchasing 52,000 acres of land for a sheep ranch, Ezequiel turned the property over to his brother Juan, which marked the birth of Murrieta as a town. For those who love nature, Murrieta has 1,350 acres of trails, open spaces, and natural areas. Contact us to learn more about what auto insurance does and does not cover.