The Truth Behind Four Common Misconceptions Regarding Commercial Insurance

Posted on March 28, 2023March 28, 2023 by admin

Let’s Insure assists the San Diego, CA community by helping them find the coverage they need to protect their assets. We have been committed to providing high-level customer service for over ten years. We sit down with our clients to figure out their needs. Once we have assessed their situation, we can offer coverage tailored to their needs. We are confident that we can help you find the right policy.

Four Common Misconceptions Regarding Commercial Insurance

As a San Diego, CA business owner, it is vital to know of the risks associated with operating a business. One accident could jeopardize everything that you have worked for. Consider the benefits of commercial insurance. Commercial insurance covers any property damage. You are also covered if your equipment is stolen. Liability coverage protects your business if one of your customers gets injured on your property or has a harmful reaction to your products. As you research commercial insurance, pay attention to these common misconceptions.

Personal Auto Insurance Is Not Valid

You cannot cover your commercial vehicles through your auto insurance policy. Commercial insurance will cover you if you are involved in an accident while working.

Workers’ Compensation Isn’t Necessary

Even if you only have a handful of employees, you are taking a risk if you don’t have worker’s compensation. The policy covers your business if there are any issues in the workplace. You could lose everything if you don’t have a strong policy.

Umbrella Insurance Is A Waste

If you are involved in a serious liability dispute, umbrella insurance can help prevent you from losing everything.

I Don’t Need Coverage When I Work Remotely

You are still at risk as you work from home. Commercial insurance protects you against the threat of potential hackers.

Let’s Insure Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.

How Does Home Insurance Protect Someone?

Posted on October 15, 2021October 10, 2021 by admin

San Diego, CA is a fantastic location to live in. Irrespective of where you buy your home in San Diego CA it’s prudent to safeguard this massive investment with formidable home insurance. Our homes are a haven of comfort, thereby need a shield from imminent perils like hailstorms or theft. With impending calamities in San Diego, CA without proper home insurance can result in substantial financial setbacks when unfortunate events strike. Discover how Let’s Insure can help you safeguard your investment and personal assets by contacting our experienced insurance specialists to secure spectacular home insurance.

Various home coverages options

Standard home insurance safeguards you in three significant areas, including the dwelling itself, your personal property, and personal liability emanating from property damage and bodily injuries to other parties. Considering various optional home insurance coverages in San Diego CA it can accord you protection in versatile ways. They include:

Additional living expense (ALE): Have you imagined what could happen when your home becomes unlivable because of being ravaged by a covered peril? This policy will cater to additional expenses incurred as you temporarily reside elsewhere as your house gets repaired or rebuilt.

Dwelling coverage: It safeguards your apartment and the attached structures. They include walls, floors, and plumbing systems, from damage against vandalism and theft, among others.

Content coverage: It guards your belongings such as electronics, furniture, sporting gear, and clothing against covered incertitude.

Personal liability coverage: It caters to legal fees if a third party sues you for injuries propagated while residing on your property. This form of coverage extends protection even if you or your family is traveling elsewhere.

Are you a homeowner in San Diego, CA searching for home insurance to shield your home and loved ones from the onset of a calamity? Please call or visit our Let’s Insure offices and get detailed information about home insurance.

Travel Insurance for Overseas Trips

Posted on September 30, 2021October 10, 2021 by admin

Traveler’s insurance is a unique option that helps to make it easier for you to travel without suffering from any complications. At Let’s Insure, we can also provide San Diego, CA area residents with insurance for overseas trips, policies that help you in unique situations.

How Overseas Insurance Helps You

Overseas insurance is a type of travelers insurance policy that can be set up to handle your needs on various trips. You can buy a policy just before a trip or create one that works for you on multiple trips. It is often a good idea to have that kind of long-term option because it can help ensure that you get the coverage you need. Just a few ways we can help include how we’ll:

Check the country where you plan on traveling
Understand their laws and how they affect you
Find a unique level of coverage that makes sense for your needs
Make sure that the policy is suitable for you
Set up a coverage level that makes sense for your trip

You can also buy more comprehensive or long-term policies that will kick into play when you travel anywhere around the world. These policies are designed to help you if you need multiple types of help, including health coverage for various kinds of injuries or illnesses and helping to replace any of the items you take with you on your trip. In this way, you can minimize your losses.

You Can Get Great Coverage

If you believe that you’ll be traveling far from your San Diego, CA, home in the future, please don’t hesitate to reach out to us today to learn more about coverage options. Our team at Let’s Insure will do what they can to help give you the high-quality policy that makes the most sense for your needs.

What Does Pet Insurance Cover?

Posted on August 16, 2021August 1, 2021 by admin

If you have a pet in your home, the chances are that you treat them like a member of the family. You try everything to make their stay comfortable and healthy. While routine vet health checkups are integral in your pet’s health, medical costs can quickly stack up, denting your pocket. Thankfully, you can invest in a pet insurance policy from Let’s Insure of San Diego, CA, to help take care of your pet’s medical care.

What is covered by pet insurance coverage?

Your pet insurance coverage depends on your pet and your insurer. However, typical pet insurance is likely to cover the below areas.

Accidents

If your pet is involved in accidents, you don’t have to worry about the associated medical costs. Pet insurance covers accidents like poisoning, swallowed objects, torn ligaments, fractures and so forth. Pet insurance covers accident-related costs such as X-rays, hospitalization, MRI, medications, blood work, and surgery.

If you opt for ‘accident only’ policy coverage, it excludes intentional accidents, illnesses, routine checkups, and pre-existing illnesses.

Illnesses

Caring for a sick pet can be financially and mentally draining. Thankfully, pet insurance lessens your financial burden by taking care of major and minor conditions, including cancer, arthritis, UTIs, infections, and so on. Pet insurance covers everything from diagnosis to ensuring that your pet’s optimal health is restored.

Depending on your coverage, congenital diseases that may show symptoms later in your pet’s life can be covered. Besides, alternative treatments like physical therapies and chiropractic care can be covered.

Wellness

Pet insurance coverage plays an important role in preventing diseases. It does this by covering expenses like spay and neuter, exam fees, vaccinations, and routine lab tests. These preventive strategies are pivotal in saving you significant treatment costs.

Buy pet insurance today!

Because your animal companion means a lot to you, it’s time to protect them with pet insurance. If you are in San Diego, CA and its environs, please contact Let’s Insure for a competitive quote.

Do I Need SR-22 Insurance If I Do Not Own a Car?

Posted on July 29, 2021August 1, 2021 by admin

SR-22 is a form filed with the state to prove you have the minimum car insurance required for San Diego, CA. This form is also referred to as a “Certificate of Financial Responsibility” and is required by most state’s departments of motor vehicles for high-risk insurance policies. Not everyone is required to obtain an SR-22. The SR-22 form is typically required for those drivers who have been caught without insurance or a valid driver’s license.

Our agents at Let’s Insure can help you determine if an SR-22 is required and help you through the process.

Why Would I Need an SR-22?

You may be required to get an SR-22 by your state, or the courts can order it. If your SR-22 request is state-ordered, you typically will receive a letter from your department of motor vehicles. If the request is court-ordered, the judge notifies you of this requirement during your hearing.

Common reasons for an SR-22 to be required include:

Having a DUI/DWI conviction
Having too many at-fault accidents/violations
Driving without enough insurance
Being a repeat speeding offender
Not paying court-ordered child support
Having a hardship license

Do I Need SR-22 if I Do Not Own a Car?

Certain circumstances may still require you to have an SR-22 even if you do not own a vehicle. For example, there may be times when you might borrow a car from a friend, which would still require you to have a valid driver’s license. In addition, as a high-risk driver, even if you do not own a vehicle, you will still need to file a non-owner SR-22 certificate to drive a borrowed car.

San Diego, CA high-risk drivers can continue driving under special circumstances after filing their SR-22. Call us today at Let’s Insure for additional information and assistance filing your SR-22 documents.

What does condo insurance cover

Posted on June 21, 2021June 21, 2021 by admin

San Diego is one of the best places to live in the United States. It has near-perfect weather and a lot of other things going for it. It is an expensive place to live and getting into the housing market with a condo is a smart option. At Let’s Insure in San Diego, CA we have spent the last 20 years improving communication between insurance companies and clients and providing outstanding service to every client.

Condo associations have a master policy that covers part of your condo. It can be all-in or walls-in. At the bare minimum, it covers the roof, common areas, and exterior walls. Some policies go in further to include appliances and some systems. Make sure you know what kind of coverage you have before you get your personal condo insurance.

Possessions

Your possessions are covered with a condo insurance policy. This may include everything from your appliances to your clothing and jewelry. Like home insurance, it has limits on certain types of possession. If you have expensive jewelry, electronics, arts, or antiques you may need to purchase a rider to get enough coverage. The policy includes theft coverage and your possessions are covered away from home when you are traveling or have them in your vehicle.

Liability

If someone is injured while visiting your condo or by a member of your family away from your condo, your liability coverage will help with any medical bills, property damage, judgments against you, and legal costs.

Loss of use

If your condo is damaged by a covered peril, you may have to find another place to stay until you are able to move back home. This coverage will help pay for that.

When you are ready to discuss your condo insurance needs, contact Let’s Insure in San Diego, CA

Risks around your home that may require additional liability insurance

Posted on May 24, 2021May 24, 2021 by admin

Being a homeowner is one of the biggest decisions people ever make. It is a major financial decision and comes with risks. Those risks can be mitigated by having the right home insurance. At Let’s Insure in San Diego, CA, we have been meeting the insurance needs of our clients. We believe it is important for there to be good communication between insurance agents and clients. The better we know our clients, the better we can make sure they have the right insurance.

Your furry friend

You may think of your dog as a family member, but they are much more than that. They can be a huge risk. So great is the risk that your home insurance will not cover some breeds. Talk to your insurance agent about your furry friend to ensure they will be covered if they ever get involved in an incident with a visitor.

Swimming pool

Swimming pools add value to your backyard and provide a great place to gather and enjoy when the weather is warm. Having said that, they also provide a lot of additional risk to your home. It isn’t just your family and your guest who may cause that risk. You need to follow all local ordinances to protect your pool from others in your neighborhood who may decide to enter your pool even without permission.

Trampoline

Trampolines are very popular with children these days. If your children invite their friends over to enjoy the bouncing fun with them or a neighborhood child decided to use your trampoline without permission and is injured, you could be sued. Securing the trampoline is important when it is not in use.

Owning a home comes with risks, and making sure you have enough liability protection is important. Contact Let’s Insure in San Diego, CA to discuss how much liability coverage you need.

3 Benefits of Pet Insurance

Posted on April 26, 2021April 26, 2021 by admin

Your pet is part of your family, one of your closest friends, and more than once has most likely provided you cherished companionship. Pet insurance can add to the quality of life for these members of your family, especially in the San Diego, CA area.

Regular Veterinary Visits More Often

Depending on how the insurance company structures your pet insurance policy, it may make things easier to get your pet routine and preventative care. Doing what you can to keep your pet healthy will allow your pet to keep up with an active lifestyle. Routine and preventive care can help stave off specific health issues your pet may experience later. Some medical problems may be easier to treat if caught early because of routine exams.

Less to Decipher than Human Insurance

Pet insurance policies are usually much easier to read and sort through versus human insurance policies. Essential sections such as deductible qualifications covered health issues, and things that aren’t covered are, in most cases, clearly listed. Your insurance provider can answer questions about waiting periods, qualifications, pre-existing conditions, and more.

Peace of Mind

More than anything else, pet insurance for your furry loved one provides peace of mind. Unexpected medical issues for humans or pets alike is something to which we are all subject. Pet insurance adds one more layer of potential assistance for you and your family if your family finds your pet suffering an unexpected medical situation. Pet insurance may give you and your family more treatment choices if your pet suffers something catastrophic.

Pet insurance policies vary. Make sure you ask your insurance provider about these types of benefits. Let’s Insure is happy to help guide you in choosing the right pet insurance policy for you. Faithfully serving the San Diego, CA, area, contact Let’s Insure today to get your pet the right policy.

Travel insurance basics

Posted on March 28, 2021March 28, 2021 by admin

Traveling is one of the best joys in life. Planning is part of the fun, finding the perfect place to visit and the right place to stay. It can be the work of weeks and even months to get everything booked and planned perfectly. Despite all your perfect plans, things can go wrong, and if they do, it can cost you thousands of dollars and a lot of stress. At Let’s Insure in San Diego, CA we try to ensure that all of our customers have the perfect insurance for every occasion, and traveling is no exception.

Every travel insurance policy is not equal. You need to read the fine details very carefully to ensure that you are getting exactly what you need and want. Most travel insurance companies offer different levels of travel coverage, from quite basic to deluxe.

Flight Delays

More than 20% of flights are delayed. That means chances are you will be the victim at some point. If your flight is delayed or canceled by more than 6 hours, travel insurance will pay for meals, accommodations, and transportation expenses you incur.

Trip cancellation

Some travel insurance allows you to cancel for any reason, but that is not usually the case. Some typical reasons you can cancel are:

Illness or death of traveler or close family member
Tour operator or airlines goes out of business
Home or location not habitable
Theft of passport
Natural disaster at destination
Terrorism

Medical coverage

Most insurance issued in the United States won’t do you any good in another country. If you are traveling domestically, you won’t need this coverage. But overseas, having emergency medical insurance and dental gives a lot of peace of mind.

Lost or delayed luggage

Having your luggage lost or delayed can really ruin your vacation. With the right travel insurance, you will get a daily allowance for each day your luggage is missing to buy essentials and clothes.

Contact Let’s Insure San Diego, CA for your travel insurance needs.

When Will Auto Insurance Not Cover My Damage?

Posted on February 25, 2021February 25, 2021 by admin

In San Diego, CA, you can generally expect your auto insurance policy to kick in and cover the damages if:

You have the appropriate coverage.
The damages result from an incident like theft or a collision and not down to regular wear and tear.
You file your report on time.

Going down these items point by point…

Appropriate Coverage

The mandatory minimum amount of insurance you are required to carry in California is a liability. Liability insurance will cover the damages if you are at fault, but only for the other party. Liability will not pay towards repairing or replacing your car under any circumstances. For that, you need, at the least, collision and comprehensive.

Wear and Tear

Cars will break down over time. There’s nothing that can be done about that. So the money you’re getting from your insurer for repairs will be for repairs resulting from an accident. You can’t ask your insurer to change your spark plugs for you or rotate your tires. Basic maintenance will have to be on your time and your dime.

File on Time

Simply put, your auto insurer needs to know that you were in an accident if they’re going to cover it, right? So you’ll need to get in touch and file a claim in a timely manner, typically within a month or so, but this may vary by provider.

If you have any questions or you’re looking to get covered in San Diego, CA, get in touch with Let’s Insure. You can call or get on the Let’s Insure website to see about getting a good deal on a great policy.

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