{"id":104,"date":"2019-11-20T06:23:17","date_gmt":"2019-11-20T06:23:17","guid":{"rendered":"http:\/\/williamgo.com\/blog\/?page_id=104"},"modified":"2019-12-13T21:51:47","modified_gmt":"2019-12-13T21:51:47","slug":"home","status":"publish","type":"page","link":"https:\/\/williamgo.com\/?page_id=104","title":{"rendered":"Home"},"content":{"rendered":"<p><b><span style=\"color: #336699; font-size: large;\">Types of Coverage<br \/>\n<\/span><\/b><span style=\"font-size: small;\"><b>Whether you own a house or condo, or you rent, the William Go Insurance Agency has an insurance program to protect you, your home, and your belongings.<\/b><\/span><\/p>\n<p><a href=\"http:\/\/williamgo.com\/blog\/?page_id=155\">Request a Home Insurance Quote<\/a><\/p>\n<p><b><span style=\"color: #ff6633;\"><span class=\"SectionHead\">For Your Home<a name=\"fyhome\"><\/a><\/span><br \/>\n<\/span><\/b><span style=\"font-size: small;\">What kind of insurance policy do I need to protect my home? That depends, are you buying a house, condo or townhouse? Or do you rent?<\/span><\/p>\n<p><span class=\"DocHead\"><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">Homeowners Insurance<\/span><\/b><\/span><\/span><span style=\"font-size: small;\"><span class=\"SectionHead\"><br \/>\n<\/span><br \/>\n<\/span><span style=\"font-size: small;\">We understand that your home is perhaps your most valuable possession. That&#8217;s why we work hard to provide you the best coverage, tailored to your needs, at a reasonable price. Typically, our Homeowners Insurance policy provides the following coverages. If you have any questions, please contact us.<\/span><\/p>\n<p><span style=\"font-size: small;\"><span class=\"SectionHead\"><b><span style=\"color: #336699;\">Property<\/span><\/b><br \/>\n<\/span><br \/>\nWith your Homeowners coverage, your house and separate structures are covered for almost any type of damage except for a few common exclusions listed in your policy, such as wear and tear, flood, nuclear hazards and earthquakes.<\/span><\/p>\n<p><span style=\"font-size: small;\"><span class=\"SectionHead\"><b><span style=\"color: #336699;\">Personal Property<\/span><\/b><br \/>\n<\/span><br \/>\nYour policy covers your on-premises personal property, subject to the policy provisions. Your personal property is protected anywhere in the world &#8211; if your clothes are stolen while on vacation, you&#8217;re covered.<\/span><\/p>\n<p><b>Typically, your personal property is covered for damages resulting from the following:<\/b><\/p>\n<ul>\n<li><span style=\"font-size: small;\">Fire of lightning<\/span><\/li>\n<li><span style=\"font-size: small;\">Windstorm or hail<\/span><\/li>\n<li><span style=\"font-size: small;\">Explosions<\/span><\/li>\n<li><span style=\"font-size: small;\">Riots or civil commotion<\/span><\/li>\n<li><span style=\"font-size: small;\">Falling objects<\/span><\/li>\n<li><span style=\"font-size: small;\">Aircraft and vehicles<\/span><\/li>\n<li><span style=\"font-size: small;\">Sudden or accidental smoke damage<\/span><\/li>\n<li><span style=\"font-size: small;\">Vandalism or malicious mischief<\/span><\/li>\n<li><span style=\"font-size: small;\">Theft<\/span><\/li>\n<li><span style=\"font-size: small;\">Sudden and accidental discharge of water or steam from plumbing system or appliances<\/span><\/li>\n<li><span style=\"font-size: small;\">Building collapses<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: small;\"><span class=\"SectionHead\"><b><span style=\"color: #336699;\">Personal Liability<\/span><\/b><br \/>\n<\/span><br \/>\nYour coverage pays for bodily injuries to other people or damage to their property if you are liable, when the damage is caused by the following:<br \/>\n<\/span><\/p>\n<table border=\"0\" cellspacing=\"3\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td><\/td>\n<td><span style=\"font-size: small;\">Use of your premise, including swimming pools<\/span><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span style=\"font-size: small;\">The acts of your pets<\/span><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span style=\"font-size: small;\">Unintentional acts by you or a qualified family member<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: small;\">Also, this coverage pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.<\/span><\/p>\n<p><span style=\"font-size: small;\"><span class=\"SectionHead\"><b><span style=\"color: #336699;\">Optional Coverage<\/span><\/b><br \/>\n<\/span><br \/>\nThese coverages are not part of your homeowners policy. They can be added to provide coverage above what your homeowners policy typically provides.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #ff6633;\"><b>For Your Personal Belongings<br \/>\n<\/b><\/span><span style=\"font-size: small;\">What would it cost to replace the contents or personal belongings of my home?<\/span><\/p>\n<p><span style=\"font-size: small;\"><span class=\"DocHead\"><b><span style=\"color: #336699;\">Your personal belongings<\/span><\/b><\/span><\/p>\n<p>If the unexpected happens, losing your home contents could be distressing, financially devastating. Your Farmers Homeowners, Townhouse, Condo and Renters policies cover your personal belongings, subject to the policy limits and conditions.<\/span><\/p>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><b>There are two distinct ways to insure your personal possessions:<\/b><\/span><\/p>\n<table border=\"0\" width=\"75%\" cellspacing=\"3\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td valign=\"top\" width=\"2%\"><\/td>\n<td valign=\"top\" width=\"98%\"><span style=\"font-size: small;\"><span class=\"BodyText\">Replacement cost coverage This coverage pays you the dollar amount needed to replace personal property without any deduction for depreciation, but is limited to a maximum dollar amount.<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" width=\"2%\" height=\"57\"><\/td>\n<td valign=\"top\" width=\"98%\" height=\"57\"><span class=\"BodyText\"><span style=\"font-size: small;\">Actual cash value This coverage pays you an amount equal to the replacement value of damaged property minus depreciation. Unless a Homeowners policy specifies that property is covered for its replacement value, the coverage is for actual cash value.<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Many people make the mistake of underestimating the value of their home contents. This mistake is easily made when you consider the amount of new items we purchase each year. Under-insurance can lead to heartache and inconvenience should the unexpected happen.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p class=\"BodyText\"><span style=\"color: #ff6633;\"><b>For You and Your Guests<br \/>\n<\/b><\/span><span style=\"font-size: small;\">What kind of protection do I need against <b>liability claims<\/b>?<br \/>\nWill my guest&#8217;s <b>medical expenses<\/b> be covered if they&#8217;re accidentally injured on my property?<\/span><\/p>\n<p><span class=\"DocHead\"><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">Liability coverage<\/span><\/b><\/p>\n<p><\/span><\/span><span style=\"font-size: small;\">Nothing is worse than the feeling you get when you are responsible for damage to someone else&#8217;s property or for someone else&#8217;s injuries. Our agents can build a homeowners policy that protects you from this financial worry.<\/span><\/p>\n<p class=\"BodyText\"><span style=\"font-size: small;\">This coverage is part of your Homeowners Insurance policy. It protects you and your family against property damage or bodily injury claims for which you are legally responsible. Liability insurance covers you, for example, if someone slips and falls on your property or if your dog bites someone.<\/span><\/p>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Today, when multimillion-dollar lawsuits are common, your homeowners policy may provide substantial liability limits, but it may not be enough.<\/span><\/p>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Personal Liability Umbrella supplements your present policies and provides additional coverage in increments of $1 million.<\/span><\/p>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><span class=\"DocHead\"><b><span style=\"color: #336699;\">Medical Coverage<\/span><\/b><br \/>\n<\/span><br \/>\nYour homeowners, townhouse, and condo policies provides medical payments for other people injured on your property, regardless of your liability. Please check with your local agent to determine how much coverage is available on your policy.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p class=\"BodyText\"><span style=\"color: #ff6633;\"><b>For Your Coverages<br \/>\n<\/b><\/span><span style=\"color: #336699; font-size: small;\"><b>Do I need earthquake insurance?<\/b><\/span><\/p>\n<ul>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Most Homeowners policies do not cover earthquake insurance or earth movement. In California, <a href=\"http:\/\/www.earthquakeauthority.com\/policy\/policy.html\" target=\"_blank\" rel=\"noopener noreferrer\">California Earthquake Authority<\/a> (CEA) coverage is available through your Farmers agent.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"BodyText\"><span style=\"color: #336699; font-size: small;\"><b>Should I get Flood insurance?<\/b><\/span><\/p>\n<ul>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><span class=\"SubjectHead\">Everyone lives in a flood zone.<br \/>\n<\/span><span class=\"BodyText\">You don&#8217;t need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems.<\/span><\/span><\/p>\n<\/li>\n<li>\n<p class=\"BodyText\"><span class=\"SubjectHead\"><span style=\"font-size: small;\">Flood damage is not covered by homeowners policies.<\/span><\/span><\/p>\n<\/li>\n<li>\n<p class=\"BodyText\"><span class=\"BodyText\"><span style=\"font-size: small;\">You can protect your home, business, and belongings with flood insurance from Farmers &#8212; up to $250,000 for the building and $100,000 for contents.<\/span><\/span><\/p>\n<\/li>\n<li>\n<p class=\"BodyText\"><span class=\"SubjectHead\"><span style=\"font-size: small;\">You can buy flood insurance no matter what your flood risk is.<\/span><\/span><\/p>\n<\/li>\n<li>\n<p class=\"BodyText\"><span class=\"BodyText\"><span style=\"font-size: small;\">You can buy flood insurance as long as your community participates in the National Flood Insurance Program. Flood insurance is a good buy even in low or moderate risk areas. Almost 25 percent of all flood insurance claims come from low- to moderate-risk areas.<\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><br \/>\n<b><span style=\"color: #336699;\">Do I need Personal Liability Umbrella coverage?<\/span><\/b><\/span><\/p>\n<ul>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Lawsuits are common today. More and more, juries are awarding very large verdicts. If you accidentally injure someone or damage their property, you could be sued. Your homeowners, property and auto policies may provide substantial liability limits, but juries can award damages that exceed those limits.<\/span><\/p>\n<\/li>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Farmers Personal Liability Umbrella provides coverage in increments of $1 million. It supplements your present policies to provide additional personal liability protection.<\/span><\/p>\n<\/li>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\">The Umbrella policy goes into affect after the underlying liability limits on your homeowners or auto policy is exhausted. Therefore, your policy must have certain limits in order to qualify for an Umbrella policy.<\/span><\/p>\n<\/li>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Typically, these are the policy limits that either your auto or homeowners policy needs to have. Please check with your local agent if you have any questions.<\/span><\/p>\n<\/li>\n<\/ul>\n<blockquote>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Auto Insurance Liability Limits:<\/span><\/p>\n<blockquote>\n<p class=\"BodyText\"><span style=\"font-size: small;\">$250,000 bodily injury per person<br \/>\n$500,000 bodily injury per occurrence<br \/>\n$50,000 property damage per occurrence<\/span><\/p>\n<\/blockquote>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Homeowners Insurance Liability Limits:<\/span><\/p>\n<blockquote>\n<p class=\"BodyText\"><span style=\"font-size: small;\">$300,000<\/span><\/p>\n<\/blockquote>\n<\/blockquote>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><br \/>\n<b><span style=\"color: #336699;\">How can I make sure there is adequate coverage for my valuables (jewelry, silverware, furs)?<\/span><\/b><\/span><\/p>\n<ul>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\">There is limited coverage available for your valuables. In most cases, you will need to purchase Personal Articles Floaters, which extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in your policy.<\/span><\/p>\n<p>Your agent can help you decide if you need to purchase this coverage.<\/li>\n<\/ul>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><br \/>\n<b><span style=\"color: #336699;\">How much should my deductible be?<\/span><\/b><\/span><\/p>\n<ul>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Please contact our agents for more information about your deductible.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><br \/>\n<b><span style=\"color: #336699;\">Will I be reimbursed for additional living expenses if I cannot live in my home due to a covered loss?<\/span><\/b><\/span><\/p>\n<ul>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\">If your home becomes uninhabitable due to a covered loss, we pay for those extra costs of housing, eating expenses, etc. up to the applicable limit.<\/span><\/p>\n<\/li>\n<\/ul>\n<p><a href=\"http:\/\/williamgo.com\/blog\/?page_id=155\">Request a Home Insurance Quote<\/a><\/p>\n<p>William Go Insurance Agency Locations:<br \/>\nWilliam Lee Go<br \/>\n8616 La Tijera Blvd, Suite 317<br \/>\nLos Angeles, CA 90045<br \/>\nPhone: 310-665-1162, 626-399-1004<br \/>\nLicense No. 0C70895<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Types of Coverage Whether you own a house or condo, or you rent, the William Go Insurance Agency has an insurance program to protect you, your home, and your belongings. Request a Home Insurance Quote For Your Home What kind of insurance policy do I need to protect my home? That depends, are you buying &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/williamgo.com\/?page_id=104\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Home&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-104","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/williamgo.com\/index.php?rest_route=\/wp\/v2\/pages\/104","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/williamgo.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/williamgo.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/williamgo.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/williamgo.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=104"}],"version-history":[{"count":5,"href":"https:\/\/williamgo.com\/index.php?rest_route=\/wp\/v2\/pages\/104\/revisions"}],"predecessor-version":[{"id":185,"href":"https:\/\/williamgo.com\/index.php?rest_route=\/wp\/v2\/pages\/104\/revisions\/185"}],"wp:attachment":[{"href":"https:\/\/williamgo.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}