Although your biggest blessings are family and friends, you probably have a few special treasures that you value above all else. Usually people are very attached to their homes and vehicles since they can represent their greatest financial investments.
However, you might also want to safeguard other treasures like family heirlooms, expensive computers or musical instruments, and artwork.
Gonzalez & Company agents can help you figure out which of your possessions need coverage and what that coverage will cost. You can feel assured we offer the highest level of benefits with the most reliable insurers, at the most reasonable costs.
It’s our hope that nothing bad ever happens to our clients, but if something does happen then feel assured you’ll be made whole again.
Losses and damages are certainly a setback but knowing you have insurance to both repair and replace makes things a lot better. Of course, it’s best if we could completely avoid having personal property destroyed, stolen, or lost. However, if disaster does strike, at least you can be confident that your personal policies will put everything back together again.
Personal Auto Insurance
Most car accidents happen less than a mile from your home, on the same roads you’ve traveled hundreds of times. Fender benders can occur anywhere you go, parking lots, expressways, and country roads. Your car could even be mixed up in an accident while empty and parked on the street.
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Condo/Co-Op Insurance
Are you aware that condominiums and co-ops typically require even more coverage than a standard homeowner’s policy includes?
Co-ops and condo owners are often subject to the building association’s rules and expectations regarding property insurance.
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Umbrella Insurance
Umbrella insurance is perfect for a rainy day. You see, umbrella insurance picks up where your homeowner’s or auto policy ends, giving you plenty of coverage beyond your other policy limits.
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Flood Insurance
Flood insurance is only for homes situated in flood zones, right? If your house is in a high and dry area rather than a flood zone, there’s no reason to get flood insurance. Correct?
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Life Insurance
Your family would be emotionally and financially hurt by your untimely passing. Your loss would leave your spouse, children, and other dependents devastated. How would your spouse keep up on the mortgage and car payments? Would your children be able to afford a college education? How would the loss of your paycheck and benefits impact your family’s future?
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Homeowner’s Insurance
For most of us, our homes represent our greatest investment and a way to create generational wealth. Plus, we keep all our other valuable possessions on our land or inside our residence.
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Renters Insurance
At Gonzalez & Company we’ve witnessed many renters that simply skipped buying renters insurance. They figured it was unnecessary since their landlord already has insurance. Unfortunately, these renters could not be more wrong!
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Valuable Property Insurance
Most standard homeowner’s policies adequately cover the physical building and the general contents. However, basic home coverage doesn’t usually have adequate protections for your most valuable items like musical instruments, jewelry, furs, or collectible items.
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Frequently Asked Questions
- I already have renter’s insurance, but I just moved into a condo. Do I now need condo insurance?
- I already have homeowner’s and auto insurance. Isn’t umbrella coverage unnecessary?
- I thought my homeowner’s policy covers my personal property. So why do I need a separate plan for valuables?
- I don’t live in a flood area. So I don’t need to get flood insurance, right?
- We’re both young and healthy. We don’t even have kids yet. What’s the point of buying life insurance now?