Landlord insurance in San Diego

Do you own a rental home in San Diego?  When was the last time that you reviewed your landlord insurance in San Diego California?

If you have a rental home, it’s very important that you have the correct insurance policy.  Often times client’s obtain a regular homeowners insurance and forget to notify their insurance company if they decide to rent out their home.  Some insurance carriers refer to this insurance as landlord or rental dwelling insurance.

Going with a higher deductible can further lower your rental dwelling or landlord insurance rates.

Often times rates are very affordable compared to owner occupied home insurance.   Some of the coverage’s can include loss of rental income and premises liability coverage.

Going with a higher deductible can further lower your rental dwelling or landlord insurance rates.

Call 619-299-6000 for a quick estimate on your landlord insurance in San Diego today!

Commercial Property Insurance San Diego

Commercial Property Insurance in San Diego

Serving the unique needs of businesses in San Diego, CA.

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Right Time Insurance Services can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today at 619-299-6000.

California  – What you need to know about commercial property insurance

Building
Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Right Time Insurance Services a call today at 619-299-6000, and we’ll help you determine if you have enough commercial property insurance for your business.

Flood
Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask John Tesoriero to review your coverage, and we’ll help you find the best solution.

Business Personal Property
Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

Business Income (Business Interruption Coverage)
This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster.  Right Time Insurance Services strongly recommends that all businesses acquire this coverage.

Electronic Data Processing (EDP)
This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.
Based in San Diego, CA , Right Time Insurance Services understands the business insurance needs of our customers. The right coverage for you is unique – call us at 619-299-6000 today to find out how to protect your business and your future with the right insurance.

Rental home insurance in San Diego

Do you have a rental home or rental property in San Diego?  Do you have the proper insurance coverage?

Many homeowners forget to notify their insurance company when they move out of their home and start renting out their home as a landlord.  It’s very important that you have the correct type of rental home insurance in San Diego California.  Some insurance carriers might call this landlord insurance in San Diego.   Rates for landlord insurance in California are very competitive and often times lower compared to owner occupied home insurance rates.

Do you have any personal property in the home?  Do you have enough liability coverage?   These are just some of the questions to consider and discuss with your San Diego insurance agent.

Do you own a tri-plex or 4-plex?  How many units per building?  Depending on the insurance carrier, you might be able to get a landlord insurance for this type of property also.  Commercial lines or apartment building insurance is usually for 5 or more units per building.

Do you have a property manager or require that your tenants maintain renters insurance?   Some insurance carriers offer a discount.   You might also consider going with a higher deductible to lower your rates for landlord or rental home insurance.

 

Call 619-299-6000 for a coverage comparison for your rental home or landlord insurance in California today!

Landlord insurance in San Diego rates

Landlord insurance in San Diego can be very affordable with competitive rates.   Do you own a rental property or rental duplex?   If so, you might be able to save on your landlord insurance in San Diego.

When was the last time that you reviewed your landlord insurance in California?  If you can’t remember, then it’s probably been too long.

Our office is an independent agency and we represent highly rated and very competitive insurance carriers for landlord insurance such as Safeco insurance, Allied insurance, Mercury insurance, and Stillwater insurance.

Call 619-299-6000 for a coverage comparision or quick quote on your landlord insurance today!

California apartment building insurance quote

Rates for apartment building insurance in California are super competitive.   Are you looking for a California apartment building insurance quote?    Our office works with several competitive insurance carriers in California to provide great rates and service for apartment building insurance.   Mercury insurance and Nationwide insurance have excellent rates on apartment building insurance.

When was the last time that you reviewed your apartment building insurance in California?   If it’s been too long, then you might be able to save.   Our agency can give you a coverage comparison or estimate on the insurance.

Some ways that many San Diego or California landlord’s can save on their apartment building insurance:

  • Going with a higher deductible can reduce your insurance rates.
  • Newer apartment building construction can save on your rates
  • Claims free discount if you haven’t had any prior claims:
  • Number of years as an apartment building owner

Call 619-299-6000 for a coverage comparison today for your apartment building insurance in California!

 

San Diego apartment building insurance quote

Are you a landlord and own an apartment building in San Diego?   When was the last time that you reviewed rates on your apartment building insurance in California?

Some things that you can do to lower your rates are:

  • Going with higher deductible
  • Purchasing a newer apartment building (many carriers offer a discount if it’s newer construction)
  • Loss free discount.  Some insurance carriers give a discount for not having any prior claims.

Our office works with several competitive carriers such as Mercury insurance and Allied insurance in San Diego to get you competitive rates on your apartment building insurance in San Diego.   Call 619-299-6000 today for a quick estimate or coverage comparison on your apartment building insurance!

Homeowners insurance in La Jolla rate

Rates for home insurance in La Jolla can be very affordable.  When was the last time that you reviewed your home insurance in La Jolla?

If you can’t remember, then maybe it has been too long.

Our office has great rates for home insurance in La Jolla.  Whether you are purchasing your first home in escrow or you are an existing homeowner, it doesn’t hurt to get a coverage comparison on your home insurance.   Even if you are a landlord and rent out your home!

Have you considered a higher deductible?   This can help keep your rates down and has been more and more popular with homeowners… this makes a big impact and savings on homes with higher premiums.

Call us today at 619-299-6000 for a coverage comparison.  We are an independent insurance agency and can check several insurance carriers for your home insurance including Mercury, Travelers insurance, Safeco, Allied, and Kemper Insurance.

Health Insurance in San Diego

We are currently in open enrollment for health insurance in San Diego.   When was the last time that you reviewed your health insurance?    If you can’t remember, then maybe it has been too long!

There are many new health insurance plans on the market for 2015.  Have your health insurance needs changed since the last time that you obtained health insurance?

Call our office today at 619-299-6000 for your health insurance in San Diego.

San Diego condo insurance quote 92101

Are you in the market to purchase a new condo in downtown San Diego 92101 or doing a refinance?   Most lenders now require condo HO6 insurance to close escrow.

Rates for condo HO6 insurance in San Diego 92101 can be very affordable.

Is your condo owner occupied or tenant occupied?

What is the value of your personal belongings in your downtown San Diego condo?

Has your condo been upgraded?

These are just some things to consider when reviewing your condo insurance quotes in San Diego 92101.

When was the last time that you reviewed your condo insurance 92101 San Diego?

Call us today at 619-299-6000 for a coverage comparison or estimate today!

Affordable apartment building insurance san diego

When was the last time that you reviewed your apartment building insurance in San Diego?  If you can’t remember, then it’s probably too long.

Rates can be very affordable for apartment building insurance in San Diego.   Can you afford a higher deductible?

Many apartment building insurance company’s in California offer a lower rates with higher deductible.

Claims free discount can also lower the rate on your apartment building insurance.

Newly built or new construction can help lower the rate on your apartment building insurance.

Call 619-299-6000 for a coverage comparison or estimate on your apartment building insurance in California.