Coverage that protects your biggest asset.
JMW Insurance Solutions listen to your concerns!
Have you ever wondered what would happen if an unfortunate event occurs at your residence, such as fire, theft, natural disaster, and all your essentials get damaged or stolen? If you consider buying all these things again, it will indeed cost you a fortune!
The good news is you can get it covered!
With JMW’s Insurance Solutions’ Package policy, you can protect it! We understand your home is your biggest and most valuable asset. If it gets damaged, you indeed need an experienced insurance advisor who can find a company to settle your claims quickly.
At JMW Insurance Solutions Inc, we will help you find the coverage to fit your needs by providing quality service at affordable pricing. We are an ethical home insurance solution provider based in Riverside, California, and passionate about protecting our client’s future – their home and other assets such as LED, TV, computer or others! With the acceptance of a variety of possible scenarios, we have been providing reliable home insurance packages to people all around California for many years.
JMW’s Insurance Solutions’ take time to know your loss type
Generally, our sessions are longer compared to other insurance coverage providers. This is because when you make an appointment with us, we deeply analyze your loss type, and on that behalf, our team tailors a specific package to your needs and risks. We have access to many top-rated companies to find you a great fit at a fair price. We can quickly compare rates to ensure you don’t have any gaps in coverage down the road.
Our team is passionate, goal-oriented, and they have access to many top-rated companies. Best of all, they understand what exactly you need and tailor a specific package to your needs and risks.
Homeowner policies will differ on where you live, the valuables in the home and which coverage you choose. A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.
Click it. Read it. Cover it.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Be sure to look for coverage that will account for replacement costs above the actual value of the home due to increased costs for building materials and construction. Also, local ordinances and building codes tend to change over time, which may require additional expense. Talk to your agent to find out what’s available for your home.
Personal Property / Contents - Property Damage
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
Additional Living Expense / Loss of Use
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Jewelry, Fine Arts, and Collectables
If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles, and other valuables have limited or no coverage and need to be insured separately.
Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.
If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.
Umbrella / Excess Liability Coverage
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Owning a secondary home has the potential of increasing your liability exposures.
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector vehicles often have significant value and require specialized insurance coverage and claims handling.
Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer, or sump pump.
Water backup coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks.
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.
Our enterprise’s objective is to assist you in finding a great home insurance company that will assist you to cover your all losses. As a renowned Insurance advisor, we specialize in many other areas, such as:
- Property Coverage – to pay for repairs to your home, garage or other buildings that are damaged.
- Personal property – if you have a loss of valuables in your home like jewellery, electronics or guns due to theft or damage.
- Liability – This will cover a claim when someone is injured, or their property is damaged.
- Medical Expenses – this would be medical coverage for someone injured, other than a resident, on your property.
- Living Expenses – if you have a complete loss, you may need extra temporary housing or food when you’re forced from your home.
There may also be other coverages that you may want to consider in addition to your basic homeowners’ policy. These may include personal umbrella, automobile, flood, earthquake or jewellery insurance. Our agents at JMW Insurance Solutions Inc can help you understand your other risks and help you evaluate whether you may need additional coverages in your California home insurance plan.
Here are some additional lines of insurance that we service:
- High-Value Homes
- Rental Dwelling
- Secondary Residences
- Vacation Homes
Could you make an appointment with us?
If you have any of the losses mentioned above, you are openly welcome to book an appointment with our insurance agents in California. So, contact us today at 951-501-2900 to find out more about home insurance in Riverside, California, including the Beaumont, Corona, Eastvale, Menifee, and Yorba Linda areas.
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