The fires have been contained in Southern California as of the writing of this article.  The people in the burn areas as well as most people around the state are pulling out their insurance documents for their home policies. 

The question on most of their minds, Do I have enough coverage for my home and property’? 

If you have to ask this question, chances are you don’t know who your agent is or you have a poor relationship with your agent or you don’t have a particular agent, you just have a customer service person with a large company.

Who is your insurance agent?

If you don’t know who your agent is or don’t know his or her name, you are not in a good position.  My belief is you need to know your agent and have a good relationship with him or her.  This is the insurance expert you entrust all your property and car policies.  You should know this person and be able to reach him or her by phone during business hours. 

Again, if you do not know your agent chances are you are insured through one of those big companies where every-time you call and have a question or policy change you talk to a different person, (a customer service representative).

You ask, whats wrong with that?

Well, your probably one of those people who are looking at your documents right now and saying, I think I’m under-insured’.  If you have to call someone, not an agent, but, a customer service person, you could get a different answer every-time, be confused when you have to say that a customer service person told me something else than what you, (the current customer service person) is telling me. 

Did I confuse you?  YEA, I confused you.

Thats why you need to have a personal relationship with your agent.  An agent you can call and get the correct and same answers every-time.  An agent who can pull out your file and review your policy and know how to answer you based on your personal information on your home and property. 

Your personal agent will know you and ask the questions needed to fully replace your home if it were in a fire or a covered loss. 

We, at www.starkquote.com not only ask the  questions needed to insure your home we also add an endorsement to the policy, extended guaranteed replacement cost.  This endorsement adds 25% more to the dwelling amount shown on the declaration page.  Yearly, we review your home policy to see if you have any changes or any additions to your home which could affect your replacement cost.  If there are no changes, great.

Your policy with www.starkquote.com will have extended coverage beyond the dwelling amount shown with the endorsement.  There is no better peace of mind than to know you are more than adequately insured.

Here at www.starkquote.com we want to be your personal insurance agent for your home and property.

As always, if you have any questions or just need a car or home quote contact us at www.starkquote.com

                               1 800-654-4003

We are the experts for home and car insurance in California.