Auto and Homeowners Insurance
Auto and Homeowners Insurance Quote Forms
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Auto and Homeowners Insurance Information
Auto and Home Insurance in Simi Valley, CA
Bundling Home and Auto Insurance Throughout California
Combining your home and auto insurance policies with a single insurer can help you safe money on crucial coverage. Your lifestyle is your own and is unique to you, meaning that your insurance needs may vary compared to your neighbors.
As an independent agency serving Simi Valley, California and surrounding areas, Tailored Werks will offer you the right coverage and resources to insure your home and vehicle. With relationships with various top agencies, we are dedicated to providing you with the best coverage for your coverage needs.
What Does Auto Insurance Cover?
Auto insurance is required by most states to protect other drivers and passengers on the road, but it’s just as important to have enough coverage to protect yourself. By paying monthly premiums, you will receive compensation after filing a claim for an incident covered under your policy. A full coverage auto insurance policy may include:
Liability: Liability includes bodily injury and property damage you may cause to someone else while operating the insured vehicle. It helps with the victims’ medical expenses and possible legal fees, if the victim decides to sue.
Comprehensive Coverage: Comprehensive coverage compensates for damages to the vehicle due to incidents such as fire, hail, wind, storms, theft and vandalism.
Collision Coverage: Collision coverage provides compensation for a collision with another vehicle or object.
Uninsured/Underinsured Motorist: This insurance covers damages that occur when you crash with a driver not carrying insurance.
Personal Injury Protection: Personal injury protection covers medical expenses for you and your passengers after an accident
What Does Homeowners Insurance Cover?
A home is not only a haven, but an investment. It is somewhere you go to at the end of a long day to relax or spend time with your family. Instead of worrying about damages to your home being too expensive to fix, find a home insurance policy that includes coverage such as:
Dwelling: Dwelling coverage compensates the homeowner for damage or loss of the physical home due to fire, wind, hail, vandalism and more.
Other Structures: Other structures covers structures on the property that are not attached to the home, such as unattached garages and sheds.
Contents: Contents coverage protects your personal items concerning loss to the same perils that are covered under dwelling insurance, plus theft.
Personal Liability: Personal liability helps if you or a family member causes bodily injury or property damage to someone else.
Common Auto and Home Insurance Questions
How Far Back Do Insurance Companies Look?
Insurance agents typically look back around three to five years on your driving and/or claims history record regarding your auto or home insurance. Your record is partially used to determine how much you will pay for your insurance premiums.
How Do Auto Insurance Deductibles Work?
When you file a claim, you will need to first reach your auto insurance deductible. This is how much you must pay our of pocket before receiving compensation for a claim.
Does Homeowners Insurance Cover Damages from Pets?
Homeowners insurance may cover some pet damage, but not damage caused by your own pets. If your dog chews up your clothes, for example, you will not be covered for these damages under home insurance.
How Often Can You Renew or Change Homeowners Insurance?
You can review your home insurance policy at any time. It is generally recommended that you review it each year or any time you notice a drastic change in your home insurance premiums.