Category Archives: Renter’s Insurance

EXCITING NEWS!! Cappuccino Insurance is open for business in ARIZONA, COLORADO, OREGON, NEVADA and WASHINGTON!!

Cappuccino Insurance in California, Nevada, Oregon, Washington, Arizona, Colorado

Cappuccino Insurance is headed over our state’s borders, and we’d like to introduce ourselves to our neighbors in Arizona, Oregon, Colorado, Nevada, and Washington!

Do you have a second home, a vacation home, rental property, additional vehicle or “toys” (boat, motorcycle, jet-ski’s) in any of these states? Do you own a business in these areas? You can stay insured with Cappuccino Insurance and keep the same level of amazing service and coverage benefits that you’ve enjoyed in California! You may also be entitled to additional package discounts as well.

Who do you know in Arizona, Colorado, Oregon, Nevada and Washington who would potentially like to increase their coverage benefits and save on their annual premiums? We consider a referral the highest compliment to our agency and as a thank you, we offer a $25 gas card (or Amazon card) to you for each referral who becomes a client. We look forward to showing them the same level of superior coverage and personal service that we strive to show each of you, everyday.

Contact us to learn more. 

Holiday Tips and Precautions for a Happy New Year

Holiday Tips and Precautions for a Happy New Year!

The holidays and New Year’s celebrations are a time of travel and festivities. And while we hope that the holidays are a time of celebration, nothing could be more devastating during this time than a home break-in or an unexpected accident.

Following proactive procedures can help give you peace of mind.

Travel and Home Safety Tips

When traveling CNET recommends the following:

  • Make sure your home doesn’t look “empty.”
  • Forward your mail and ask a neighbor to collect mailers and newspapers that may otherwise accumulate at your front door.
  • Install motion censored lights on the exterior of the house.
  • Put interior lights on timers that light at varied times.
  • Consider installing security cameras near the doors and in various parts of the home to monitor activity.

Holiday Party Tips and Precautions

Entertaining guests at your home for the holidays? As alcohol is typically served at holiday gatherings, Indiana.edu offers a number of helpful suggestions for pacing the drinking at your home soiree.

Most notably, don’t allow intoxicated guests to drive home. In recent years apps like Lyft and Uber have grown in popularity so that they are readily available in major cities (and many suburbs) and are ready for pickup in minutes. On your party invitations and correspondences, suggest that your guests download the app on their smart phones pre-party. Also have the number for the local taxi service on-hand.

A Homeowners Policy and Rental Insurance Offer Peace of Mind

Both a homeowners policy and renters insurance can help you cover your property and possessions if they are damaged or destroyed – or if your valuables are stolen.

Additionally these policies can cover your assets if you are sued for negligence that caused an accident.

At Cappuccino Insurance wish you happy holidays and a happy new year. If you have questions about your coverage, please contact us!

Renter's Insurance

Why Every Renter Benefits from Renter’s Insurance

Although some landlords require renters to purchase renter’s insurance, in many rental situations it is still a voluntary coverage.

Renter’s insurance is low cost coverage and provides security in areas beyond the home. Renters insurance not only covers the loss of valuable possessions but it offers liability.

Most renters insurance policies give you about $100,000 in liability and upgrading to $300,000 in coverage can cost as little as $9 a year. You can even extend your coverage up to half a million dollars for a moderate amount.

Liability from guests…

If you have a party and one of your guests has been drinking in your home and later becomes injured or injures another party, you could be sued. Your renter’s insurance can cover your liability.

Liability for accidents outside the home…

If your child is at the park, for example, and hits another child with a baseball – even if the accident occurs off the property, you could still be sued. Your renter’s insurance would cover this occurrence.

Liability from negligence…

You could be sued for negligent acts. As a personal example, a client of ours was boating and as he was climbing up the latter on the back of the boat, the driver turned the engine on and he was badly injured by the propeller blade. Because he had expensive hospital bills, he sued the driver and the home insurance paid for it because of negligence.

Liability for dog bites…

Dog bite claims are common. An average of $32,000 was paid out for dog bite claims in the U.S. in 2015. If your dog bites someone – inside or outside of your home – your renter’s insurance will pay out the claim. Be mindful, however, that certain breeds aren’t covered.

Your legal costs are covered…

Renter’s insurance covers the legal costs of someone suing you. If you are sued then the insurance company handles the claim. The insurance company has a legal team representing your case, and if you loose the insurance company pays out.

Break-ins and losses…

If your items get stolen anywhere – even outside the home – they’re covered. When prescription meds are stolen from a car or a laptop computer is stolen from a coffee shop, those incidences are covered by renter’s insurance. There is a $500 deductible, but as the items mentioned above are costly, and even smaller items can add up, it may be worth it to put in a claim.

Contact Cappuccino Insurance Agency to schedule a consultation to discuss your insurance options and coverage needs.