Travel insurance basics

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Traveling is one of the best joys in life. Planning is part of the fun, finding the perfect place to visit and the right place to stay. It can be the work of weeks and even months to get everything booked and planned perfectly. Despite all your perfect plans, things can go wrong, and if they do, it can cost you thousands of dollars and a lot of stress. At Let’s Insure in San Diego, CA we try to ensure that all of our customers have the perfect insurance for every occasion, and traveling is no exception. 

Every travel insurance policy is not equal. You need to read the fine details very carefully to ensure that you are getting exactly what you need and want. Most travel insurance companies offer different levels of travel coverage, from quite basic to deluxe. 

Flight Delays

More than 20% of flights are delayed. That means chances are you will be the victim at some point. If your flight is delayed or canceled by more than 6 hours, travel insurance will pay for meals, accommodations, and transportation expenses you incur. 

Trip cancellation

Some travel insurance allows you to cancel for any reason, but that is not usually the case. Some typical reasons you can cancel are:

  • Illness or death of traveler or close family member
  • Tour operator or airlines goes out of business
  • Home or location not habitable
  • Theft of passport
  • Natural disaster at destination
  • Terrorism

Medical coverage

Most insurance issued in the United States won’t do you any good in another country. If you are traveling domestically, you won’t need this coverage. But overseas, having emergency medical insurance and dental gives a lot of peace of mind. 

Lost or delayed luggage

Having your luggage lost or delayed can really ruin your vacation. With the right travel insurance, you will get a daily allowance for each day your luggage is missing to buy essentials and clothes. 

Contact Let’s Insure San Diego, CA for your travel insurance needs. 

When Will Auto Insurance Not Cover My Damage?

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In San Diego, CA, you can generally expect your auto insurance policy to kick in and cover the damages if:

  1. You have the appropriate coverage.
  2. The damages result from an incident like theft or a collision and not down to regular wear and tear.
  3. You file your report on time.

Going down these items point by point…

Appropriate Coverage

The mandatory minimum amount of insurance you are required to carry in California is a liability. Liability insurance will cover the damages if you are at fault, but only for the other party. Liability will not pay towards repairing or replacing your car under any circumstances. For that, you need, at the least, collision and comprehensive.

Wear and Tear

Cars will break down over time. There’s nothing that can be done about that. So the money you’re getting from your insurer for repairs will be for repairs resulting from an accident. You can’t ask your insurer to change your spark plugs for you or rotate your tires. Basic maintenance will have to be on your time and your dime.

File on Time

Simply put, your auto insurer needs to know that you were in an accident if they’re going to cover it, right? So you’ll need to get in touch and file a claim in a timely manner, typically within a month or so, but this may vary by provider.

If you have any questions or you’re looking to get covered in San Diego, CA, get in touch with Let’s Insure. You can call or get on the Let’s Insure website to see about getting a good deal on a great policy.

Who needs commercial insurance in San Diego?

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Anyone that is in the San Diego, CA area should consider starting their own business. Business owners here can benefit in many different ways as there are plenty of opportunities in this market. For those who are going to start a company here, having proper commercial insurance in place will need to have proper insurance. 

Businesses that Want to Protect Solvency

A situation when someone will need to get commercial insurance is when they want to protect their solvency. Those who are going to start a company in California will have many opportunities but will also need to make some large investments. Due to this, you will want to ensure that your company is protected as well as possible. When you get a commercial insurance plan, it will offer you protection to repair or replace your company assets and mitigate liability risk.

Businesses that Want to Comply with Requirements

You will also need to get a commercial insurance plan when you want to comply with your insurance requirements. Those who will invest in a business will have to raise capital, take out business loans, and even find a rental property as a place of business. In all of these situations, you will likely have specific commercial insurance requirements that need to be met and maintained at all times.

It will continue to be very important that you get commercial insurance for your San Diego, CA business. When you want to get coverage in this area of the state, you should speak with the team at Let’s Insure. If you call the insurance team at Let’s Insure, you will learn more about your insurance options and how it can protect your company. 

How often should I review my home insurance

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Home insurance is something that doesn’t necessarily stay the same forever. It needs to grow and change the same way that your life grows and changes. Every year when your policy renews, you will get a declaration page, and this tells you all the particulars about your policy. At the very least, this is when you need to review your home policy. Look at the figures on it and the endorsements that you have. At Let’s Insure in San Diego, CA, we have provided personalized service to our customers and the community we live in. 

You should review your home insurance policy at least once a year and anytime something changes that your insurance company should know about. 

When things change in your life

A change in your marital status is something to let your insurance company know about. When you combine your assets, you may want to add additional liability coverage. If you add a furry friend to the family, this adds additional liability, and again you may want to increase your liability coverage. 

You add a home security system

When you add a home security system, it makes your home safer, which lessens your risks. That can make you eligible for a discount from your carrier. Call your insurance agent and ask about it. 

Make home improvement

When you make home improvements, the value of your home goes up. You need to talk to your insurance agent if you do something like finish your basement, add a new room, update your kitchen or bathroom. You also want to tell them when you get a new roof or add solar panels. A pool is a liability that you should also tell your insurance carrier about.

Contact Let’s Insure in San Diego, CA to discuss your home insurance and any updates you need. 

A Complete Overview Of Travel Insurance

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Let’s Insure proudly serves the San Diego, CA community by helping residents find coverage. We are committed to helping our clients find policies that will allow them to protect what matters most. As an independent agency, we pride ourselves on offering our clients a wide variety of options.

Travel Insurance Overview

Millions of people around the World enjoy traveling every year. While traveling is often fun and exciting, there are also several risks involved that you should consider the next time you make plans to travel out of San Diego. CA, inquire about travel insurance. Travel insurance will cover you if unexpected circumstances arise.

The policy covers you if an emergency causes you to cancel your reservation at the last minute. You’ll be covered for any hotel or rental car accommodations that you have to cancel. You will also be covered if an unexpected travel delay causes problems.

The policy also covers you if you get ill while you are out of town. Travel insurance gives you a peace of mind that you will be protected if you have to undergo emergency medical care while on vacation. Travel insurance also covers your transportation. You will be covered if your rental vehicle is involved in a collision or if someone steals it.

If you are traveling out of town on business, you can amend your policy to cover you if something happens to your equipment. You can also add liability coverage in case a disaster arises. The policy covers you if you are involved in an auto accident or another potential liability dispute.

Let’s Insure Will Help You Travel Safely

Visit our website to learn more information about travel insurance.

How Worthwhile Is it to Have Pet Insurance?

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Is it a good idea for you to get insurance for your pet? Many people don’t realize that this even is an option. We know that we love our pets just like they’re family and want to do our best to keep them healthy and safe. Learn more by talking to an agent from Let’s Insure of the San Diego, CA area.

Pet insurance for Optimal Health and Safety

What happens if your pet becomes injured? If this is a serious injury, you will want to bring them in to see a veterinarian, and they might need surgery or other treatment. This can be costly, so it’s important that you have some help with the expenses. Many vet offices will at least need a down payment, so if you can show that you have insurance, it makes a big difference.

Routine Expenses

When it’s a routine appointment for your pet or regular treatment, you’d likely have a plan for how you’re going to pay for it. Obviously, there can still be some difficulty paying for this, and that’s where pet insurance comes into play. You can rest easy knowing you won’t have to wait or avoid necessary treatments. Though these may not be urgent, they are crucial to the well-being of your pet.

Uncertainties Are Certain

We can never predict when something will happen to our pets. Wouldn’t you like to be prepared and get them the care that they need right away? With customized insurance solutions for every situation, this should help with the stress involved.

Contact us at Let’s Insure, and we’ll put together a policy for pet insurance that meets your needs. We serve the greater San Diego, CA, and always welcome new clients.

Do I need more than basic auto insurance

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Basic auto insurance is what is mandated by the state. The amount and types of coverage required are not the same in every state. If you are driving in California or even parking in the state, you are required to abide by the laws. In California, liability insurance is required. Motorists must carry $15,000 in bodily injury per person with a maximum required of $30,000 and property damage of $5,000. At Let’s Insure in San Diego, CA, we have almost 20 years of service to our local community. 

The primary liability limits in California are very low. For anyone who has any assets, they would fall woefully short of what the actual cost of an accident might be. If the cost of medical expenses or property damage goes beyond the limits of your policy, the responsibility to pay those bills falls to you personally. You could be forced to sell your assets, and your future wages could be garnished. This is not something that most people want to take a chance with

Liability insurance covers other people in an accident but gives no protection to your vehicle. If you are leasing a car or have a car loan, your lender or lessor will require that you carry more than basic auto insurance. In an accident where you are the party at fault, you must have collision coverage to protect your car. This coverage will allow you to repair or replace your vehicle. It also provides another vehicle for you to drive while you are getting your vehicle repaired. Comprehensive coverage will fix your car if an event beyond your control damages it. It also protects against theft and vandalism. 

When you’re ready to discuss your auto insurance coverage at Let’s Insure in San Diego, CA, we are here to help you choose the best coverage for your situation. Call our office or stop in and let us give you a no-obligation quote. 

Essential Commercial Coverage for Your Small Business

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So much goes into running a small business. There are dozens of decisions to be made concerning production, finances, marketing, and employees. Amid all your responsibilities as a business owner, don’t neglect the importance of commercial insurance. Commercial coverage from Let’s Insure can protect every aspect of your business from its location to lost revenue. Here’s the essential coverage you should have for your small business in San Diego, CA.

Property Coverage

Property insurance offers vital protection for your business location, inventory, and equipment. It covers damage to your building and business equipment in a covered peril and compensates you for loss of inventory. Property insurance covers such common business risks as theft, fire, wind and rainstorms, tornadoes, lightning strikes, and riots, making it essential coverage in a commercial package.

Liability Coverage

If you run a store or office in San Diego, CA, or another type of business that receives customers on your business site, you need general liability insurance. This coverage protects your business assets from customer claims of injury or property damage at your business location. Liability claims pose a financial risk to your business by threatening to deplete your business assets. Liability insurance can counter those risks so your business doesn’t suffer financial loss.

Business Interruption

If a major disaster forces you to close your company temporarily for repairs, you could lose valuable revenue. Business interruption insurance compensates you for lost revenue, payroll, rental of business building, and other expenses to help sustain your business until you can reopen.

Worker’s Comp

Workers’ compensation insurance covers the injuries and lost wages of employees due to accidents on the job. This coverage is required in California for businesses with one employee or more.

To learn more about essential commercial coverage for your San Diego, CA business, contact an agent from Let’s Insure. 

What Should I Know About Home Insurance

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At Let’s Insure in San Diego, CA, we believe that informed customers are better able to make decisions about the insurance they need. Homeowner’s insurance can be complicated, with many different aspects and options. Here are a few things you should know about home insurance.

Different Types of Coverage

A standard homeowner’s policy has different types of coverage. First, it covers the structure of your home and its contents. This includes theft, vandalism, and natural disasters. It also covers your liability if someone gets hurt on your property. It will also cover any detached structures on your property, like a garage or barn. 

There are three basic types of coverage for any kind of insurance policy. These are actual cash value, agreed-upon value, and replacement value. The actual cash value will cover the current value of your home or belongings. Replacement value will include the amount you would need to replace these items. You can also opt for an agreed-upon value. With this option, you and the insurer set a value that is irrespective of its actual value. 

Additional Coverage

Homeowner’s insurance covers many disasters, including fire and storm damage. However, it doesn’t cover floods. You’ll need a separate flood policy or an add on. You may need an earthquake policy as well.  

If you have expensive antiques, electronics, or jewelry, you may need additional coverage for these items. Your standard policy probably won’t provide enough coverage to replace them. 

Know Before You Need It

Every policy is unique, so you will need to speak with your insurance agent about exactly what is covered. If certain things aren’t covered, you can generally add options to your policy that will. Don’t wait until you need it to find out that you aren’t adequately covered. 

Home insurance is vital to protect your investment in your home and your financial security. The right insurance policy can give you peace of mind and allow you to enjoy your home. At Let’s Insure in San Diego, CA, our agents are happy to assist you with choosing or upgrading a homeowner’s policy.