Stokes Insurance Agency
  • Home
  • About
    • Legal and Privacy
  • Contact
    • Request a Certificate
    • Request a Policy Change
    • Update Policy Information
    • Request Proof of Insurance
    • Pay Your Bill
    • Report a Claim
  • Personal
    • Auto Insurance
    • Home Insurance
    • Life Insurance
    • Renters Insurance
    • Umbrella Insurance
  • Business
    • Business Insurance
    • Commercial Liability
    • Contractor Insurance
    • Commercial Auto Insurance
    • Surety Bonds
  • Quotes
    • Auto Quote
    • Home Quote
    • Life Quote
    • Renters Quote
    • Umbrella Quote
    • Business Quote
    • Commercial Quote
    • Contractor Quote
    • Commercial Auto Quote
    • Request a Surety Bond
  • Blog

The Biggest Risk To Your Home (And How To Prevent It)

5/6/2015

0 Comments

 
Picture
Most people think the biggest risk to their home is a fire or a bad storm.  It’s why they buy insurance (and the fact it’s required by their mortgage lender).  

But in reality, the biggest concern is protecting your assets from a liability claim.  Consider this...

Warm weather has arrived and everyone is beginning their yard work. Mowing, planting flowers, and digging those vegetable gardens. There is a lot of work to be done.

So let's say that you dig a large hole in the front yard so you can plant a new tree. You walk away for a moment and while you're gone the kid next door runs through the yard, falls in the hole, and breaks his ankle.

Unfortunately, you could be held responsible for his injury. But not to worry, your homeowner's liability insurance is made for these kind of situations. It will pay if someone is injured on your property. It's also the coverage that protects you if the dog bites your child's friend (as long as it's not a restricted breed) or if your cousin falls down your front steps.

If you have a large number of assets, then you'll want higher liability coverage. If the injury exceeds your liability coverage amount, then you could be sued for the difference.

Work with us to determine the amount of coverage that you are comfortable carrying.

No one can protect themselves by just being careful alone. There are too many possible scenarios that you could never avoid. But with the right insurance coverage, you'll never have to worry.


Call us today for a free review and to discuss how much liability coverage you need.  ​
0 Comments



Leave a Reply.

    Picture

    Archives

    September 2015
    August 2015
    July 2015
    June 2015
    May 2015
    April 2015
    March 2015
    February 2015
    January 2015
    December 2014
    November 2014
    October 2014
    September 2014

Contact Us

Patrick Stokes, Owner/Broker
2162 Via Ventana
Santa Maria CA 93458
Phone: (805) 878-0987
​
Map to our office

Customer Service

Contact Us
Request a Certificate
Request a Policy Change
Update Policy Information
Request Proof of Insurance
Pay Your Bill
Report a Claim

Personal

​Auto Insurance
Home Insurance
Life Insurance
Renters Insurance
Umbrella Insurance

Business

​Business Insurance
Commercial Liability
Contractor Insurance
Commercial Auto Insurance
Surety Bonds

Photo Credits
convertible: istockphoto.com
luxury home: armchairbuilder.com
mother & children: weebly theme
coffee shop owner: weebly theme
townhomes: Shashi Bellamkonda cc licensed
Gladiola flower fields of Santa Maria California by Harold Litwiler. CC licensed
Istock photos have been purchased & licensed for use in this site and may not be downloaded or copied.

legal & privacy
designed and hosted by ken hood
  • Home
  • About
    • Legal and Privacy
  • Contact
    • Request a Certificate
    • Request a Policy Change
    • Update Policy Information
    • Request Proof of Insurance
    • Pay Your Bill
    • Report a Claim
  • Personal
    • Auto Insurance
    • Home Insurance
    • Life Insurance
    • Renters Insurance
    • Umbrella Insurance
  • Business
    • Business Insurance
    • Commercial Liability
    • Contractor Insurance
    • Commercial Auto Insurance
    • Surety Bonds
  • Quotes
    • Auto Quote
    • Home Quote
    • Life Quote
    • Renters Quote
    • Umbrella Quote
    • Business Quote
    • Commercial Quote
    • Contractor Quote
    • Commercial Auto Quote
    • Request a Surety Bond
  • Blog