Tag Archives: damage

Are You Ready For El Nino?

Keeping your house safe with the right flood insurance policy.

A Godzilla El Nino is expected to hit California this fall and winter, which will bring heavy rains. While this is great news in the current drought conditions, it could mean serious trouble for your house. Keeping your house and personal belongings protected with the right insurance policies can help to give you the peace of mind that you need through the storm.

While your home insurance policy will protect you from many unfortunate situations, it will not provide any coverage during a flood. You will need to invest in a specific flood insurance policy to cover your house from the damage that is done during a flood.

Typical flood insurance policies will provide coverage for the structure of your house. You also have the option to invest in coverage that will also protect your personal belongings. Keep in mind that the more coverage you invest in, the higher your premiums will be but the better protection you will have. Flood insurance policies have a 30 day waiting period before your coverage will kick in, so the sooner you invest in a policy, the sooner you can rest assured knowing that you are protected.

The cost of your flood insurance policy will depend on many factors, including how many people live in your house and the size of your home. It will also depend on where your house is located. If you live in a high-risk flood plain, you will have to pay more for your coverage than if you lived in a low to moderate risk area. Working with an independent insurance agent will make it much easier to find the right policy that will meet all of your needs at the right price.

For all of your flood insurance needs to protect your Conejo Valley house, contact Cappuccino Insurance Agency in Westlake Village, California.


Most Common Business Insurance Claims

Small Business Insurance 101

Small business owners have many worries, including property damage, theft, and fire. While these are all serious concerns that should be addressed, there are many other threats which could cause serious damage to your business. Keep these top small business insurance concerns in mind to ensure that your business is as safe as possible.

  • Burglary and theft – 20 percent of all small business claims deal with burglary and theft, with an average cost of $8,000. To help avoid a burglary or theft claim, conduct background checks on all employees that you hire, and make sure that you have the right security devices installed, including security cameras, lighting, and gates.
  • Water and freezing damage – 15 percent of all small business claims deal with water damage, with an average cost of $17,000. Make sure that some of your key employees know where the water shut off valve is in case a pipe bursts.
  • Hail and wind damage – 15 percent of all small business claims deal with wind and hail damage, with an average cost of $26,000. Knowing the dangers that may affect your property can help you be better protected. Remove any threats, such as tall trees or unsecure items that could become projectiles.
  • Fire – 10 percent of all small business claims deal with fire, with an average cost of $35,000. Regularly test all fire detectors and suppression equipment throughout your company. At least twice a year, update your emergency preparedness and make sure all employees know the plan.

For all of your small business insurance needs, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California. As an independent insurance company, we will work with you to ensure that you have the coverage that you deserve, all at the right price to fit your budget.