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Are Car Customizations Covered Under Auto Insurance Policies?

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For the most part, drivers on the road get a car insurance policy to protect a vehicle that they’ve driven off of the lot and kept in the same condition since they’ve been behind the wheel. However, other people like to make their cars their own. This might include a wide range of customizations and aftermarket additions that enhance the look and performance of their vehicles. But if you fall into the latter category, it’s important to ask whether your average auto insurance policy covers these kinds of customizations. Let’s look at what auto insurance generally covers and how you can find the right policy with the support of us here at Allied Brokers Insurance Agency Inc. in Palo Alto, CA.

Are Car Customizations Covered Under Auto Insurance Policies? Generally, No.

If you find yourself in an accident and you’re hoping that your customized car will be covered, you may be surprised to find that you don’t have coverage extending beyond the car’s value. Customizations can generally be quite expensive, and these aren’t factored into the coverage you receive when you agree to purchase a policy with an auto insurance provider.

But that doesn’t mean you’re out of luck. The best way to make sure that your car is fully covered should you choose to modify it in any way is to buy supplemental coverage or coverage that pertains specifically to the wide range of customizations that you plan on making. It’s not uncommon for cars to be customized in some way, shape, or form. As such, finding a good policy and a supplemental policy is more than possible.

Get the Coverage You Deserve with Allied Brokers Insurance Agency Inc.

We at Allied Brokers Insurance Agency Inc. in Palo Alto, CA, make it easy to find auto insurance, whether you have a customized car or not. Are you ready to shop around for policies? Compare quotes with us today!

Insurance Coverage for An Impending Business Expansion Project

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Consider the potential challenges and changes that may occur during a business expansion project. Adjusting your commercial insurance policy accordingly is crucial to ensure adequate coverage.

Business Expansion Project

A business expansion project can disrupt your normal work schedule and require modifications in how customers and employees access your property. Your liability risk may increase during the project, and your business may also be exposed to criminal activity and vandalism.

Access To Your Property

Identify which areas will be inaccessible during the project and clearly mark areas for your patrons and workers to use. Recognize risks that could result in an injury. Adding liability protection to your commercial insurance policy is imperative if it’s impossible to prevent people from coming close to the expansion efforts. This protection will cover you in the event of an injury or accidental damage during the project.

Protecting Materials

The new materials used for your business expansion could become damaged during construction. Simple coverings may not be sufficient to keep the materials clean, dry, and damage-free. Consider the risk of bad weather damaging materials not stored in a waterproof structure. Include these materials in your commercial insurance policy.

Guarding Against Criminal Activity

Add vandalism and theft protection to your policy. If any materials are altered or stolen, this protection will cover the cost of material repairs and replacements.

Updating Your Commercial Insurance

Don’t risk inadequate commercial insurance protection during a business expansion project. Consult with one of our agents at Allied Brokers Insurance Agency Inc., an agent serving Palo Alto, CA, who will be happy to assist you.

Steps to Take This Fall to Prevent Frozen Outdoor Pipes This Winter

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As autumn leaves start to fall in Palo Alto, CA, it’s an inevitable reminder that winter is fast approaching. While the area doesn’t experience the most severe winters, ensuring your home is ready for the colder temperatures is still crucial. At Allied Brokers Insurance Agency Inc. in the Palo Alto, CA area, we want to help you prevent the bother and cost of frozen pipes this winter.

The Importance of Prevention

Frozen pipes can create significant damage, leading to expensive repairs and possible insurance claims. You can avoid this inconvenience by making a few simple preparations in the fall. Protecting your pipes provides peace of mind when the temperatures plummet.

Valuable Fall Preparations

Begin by insulating the exposed pipes. Foam pipe insulation is effortless to install and forms a protective barrier against the cold. Remember to disconnect and drain garden hoses, as leftover water can freeze and harm your plumbing system. If your home has exterior water valves, closing them will further reduce the risk of freezing.

Identifying Vulnerabilities

Inspect your home for drafts near pipes. Cold air can infiltrate through cracks or gaps around windows and doors, increasing the chance of freezing. Sealing these gaps protects your pipes and enhances your home’s energy efficiency.

Embrace a Worry-Free Winter

By taking these precautions, you can enjoy a worry-free winter, secure in the knowledge that your home is protected against the cold. For more advice on safeguarding your home this winter or reviewing your insurance policy, contact Allied Brokers Insurance Agency Inc., proudly serving throughout the greater Palo Alto, CA area. We’re here to ensure your home’s safety and comfort all year round.

For Protection as Reliable as Your Classic Car

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Everyone has a favorite classic car and a personal reason for it being their favorite. These four-wheeled mechanical time capsules from bygone eras hold a special meaning for different people, which holds true for classic car owners. That’s why residents from Palo Alto, CA, and surrounding areas rely on the professional and friendly team at Allied Brokers Insurance Agency Inc. for their classic car insurance needs. True, there are vehicles, and then there are classics.

Protection as Reliable as Your Classic

The old saying, "They don’t make them like they used to," is often used to refer to many things, automobiles being one of them. For classic car owners, this saying truly resonates in terms of the look, feel, quality, and even reliability of their classic cars compared to modern vehicles.

However, one thing that both new and classic cars have in common is the necessity for insurance protection. This is where working with experienced and professional insurance agents proves beneficial because when it comes to insurance, you want coverage and protection that is as reliable as your beloved classic car.

Classic Car Insurance in Palo Alto, CA

If you own a classic car and have questions about classic car insurance or would like to delve into how insurance can help protect your vintage vehicle, our Allied Brokers Insurance Agency Inc. team is ready to assist. Contact us today to learn more about the benefits of classic car insurance, to make an appointment, and to ensure your classic car gets the protection it needs and deserves.

Adding More Coverage to Home and Auto With Umbrella Insurance

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Every insurance policy offers different types of coverage to protect your home and car. Each type of coverage is vital for your protection, but many policies don’t come with substantial liability coverage. While liability coverage is included with both home and auto insurance, you might not have enough should a serious accident occur. For additional protection, there’s umbrella insurance. To learn more about these policies, feel free to contact us at Allied Brokers Insurance Agency Inc. in Palo Alto, CA.

Why You Need More Liability Coverage

An accident with your vehicle or inside your home can lead to serious injuries. However, medical care costs in the U.S. are so high that even minor injuries can be extremely expensive. If you’re left with these costs, it can cause severe financial difficulties. Your home and auto insurance might have minimal coverage, leaving you vulnerable to any additional medical bills. An umbrella insurance policy comes with large maximum payouts, ensuring a serious accident will be covered by your policy.

Enhancing Your Insurance Policies

An umbrella insurance policy provides an additional layer of liability protection to both your home and auto insurance. It provides a thick layer of protection that can save you from having to cover excess costs after an accident. An umbrella insurance policy gives you peace of mind, knowing you’re well-protected against severe financial hardships that can occur after an accident.

Secure Your California Umbrella Insurance Policy

It is important to ensure you have adequate liability insurance. To find out more and discuss your specific needs, call Allied Brokers Insurance Agency Inc. in Palo Alto, CA.

How to Collect on Flood Insurance

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One of California’s greatest perks is its proximity to the coast; ironically, this can also be its biggest downfall. Flooding is an undeniable reality in California. However, as long as you’re insured, situations can be made relatively less dire. You might be able to recover what you’ve lost. If you find yourself and your family safe enough to consider insurance in the aftermath of a flood, here is what you need to do.

Take Stock

Review your policy to understand what’s covered. Flood insurance comprises two parts: building coverage and contents coverage. Building coverage protects the structure of your home and all associated amenities, such as pumps, tanks, and air conditioning systems. Contents coverage shields any personal property you may have within your home.

What to Do Next

Once you’ve made a claim to your insurance company, they will evaluate it and assign an adjuster. This individual can assess the flood damage in person or by means of photographs and other documentation if you prefer. Following this, you and your adjuster can submit documentation for the claim. It’s important to ensure that all required documents have been submitted. Once approved, the claim will yield compensation.

Allied Brokers Insurance Agency Inc., Serving Palo Alto, CA

If you live in the Palo Alto, CA, area and need flood insurance, please contact Allied Brokers Insurance Agency Inc. Our proficient, professional, and prompt agents will do their best to help you find the policy that best suits your needs.

Auto Insurance Coverages That Protect Your Vehicle

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Several auto insurance coverages may offer protection for your vehicle, safeguarding against various causes of damage. Here are some of the main ones we at Allied Brokers Insurance Agency Inc. often recommend that Palo Alto, CA drivers acquire.

Collision Coverage

Collision coverage may cover your vehicle’s repair or replacement cost if you are involved in an accident with at least one other vehicle. Whether in a minor accident in the parking lot, hit at a red light at one of Palo Alto, CA’s intersections, or in a multi-vehicle pile-up on the highway, this could cover the damage your car or truck sustains.

Collision coverage may pay for repairs to your vehicle or the vehicle’s value if repairs cost more than the car or truck’s worth.

Comprehensive Coverage

Comprehensive coverage can supplement collision coverage by covering non-accident incidents that cause damage to your vehicle. For instance, comprehensive might cover theft, vandalism, fire, animal strikes, hail, and more. The risks in downtown Palo Alto or when traveling into the mountains differ, but comprehensive coverage can provide essential protection in each location.

Comprehensive insurance could pay for repairs like collision if your vehicle sustains damage in a covered incident. It could also pay the full value of your vehicle if it’s totaled.

Securing the Right Coverage

Ensure your auto insurance adequately insures your car or truck against damage. For assistance in reviewing these and other coverage options, contact us at Allied Brokers Insurance Agency Inc. We’ve helped many drivers obtain the auto insurance protections they need and are ready to assist you. Secure coverage today in case something happens to your vehicle tomorrow.

When Is It Time to Start Looking into Commercial Insurance for a Business?

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At Allied Brokers Insurance Agency Inc. in Palo Alto, CA, we know that the process of starting a business begins well before you get the keys to your commercial property. Protecting your business matters well before the company is a physical reality, as well. As soon as you start contemplating opening a business, looking into the types of commercial insurance that may benefit you can be a good idea. While only you can decide when is the right time to check out commercial insurance, our tips below will help you decide if today is a good time for you.

When to Look at Commercial Policies

Looking at commercial policies differs from choosing one and signing all the necessary paperwork to get it into place for a business. As a result, you can research commercial protection at any time. Even if you’re early in the business planning stages, you’ll want to know what policies are available and which ones are necessary for your industry so you can bake protection from liability, theft, and more into your business plan from the start.

Knowing about worker’s compensation insurance is crucial for those who intend to have one or more employees. Businesses with a company vehicle will want to know about commercial auto policies. As you can see, commercial insurance is about more than protecting businesses with a one-size-fits-all approach, so you shouldn’t wait until the last minute to begin your research. Inquiring about commercial policies early will make you feel confident in making the right choices down the road.

To learn more about how we can help protect your current or future business, call our Allied Brokers Insurance Agency Inc. team in Palo Alto, CA, today!

Insure New Residential Windows and Doors

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New residential windows and doors will keep your residence secure. These materials will also increase the overall value of your home. Use the tips that follow to acquire insurance coverage for the new additions.

Upgrades

You need to consider whether the changes require more insurance coverage whenever upgrades are made in your home or on your property. Upgrades that are made may keep your residence and property secure. The upgrades may minimize the risk of theft occurring. The new materials may also protect against the weather.

Products

First, consider the overall value of the windows and doors you purchase. The value of these items may greatly affect the amount of insurance coverage you seek.

Some products come with a warranty. If you purchase windows and doors with coverage, review the warranty included with your purchases. Pay attention to the expiration date of the warranty.

In addition, review the warranty terms. Use the information you have read to help you determine how much insurance coverage you need.

Security Features

Assess the security features that came with the windows and doors you purchased. You should report these features when you attempt to upgrade your existing home insurance policy.

The security features may directly affect what type of premium you are responsible for. If the products you purchased did not come with adequate security, consider purchasing security products separately. Have the security products professionally installed?

Reach out to Allied Brokers Insurance Agency Inc.

Contact an Allied Brokers Insurance Agency Inc. representative. One of our agents serving Palo Alto, CA, will add the new windows and doors to your current home insurance policy.

Collect Classic Cars? Here’s What You Need to Know About Insurance Coverage

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Allied Brokers Insurance Agency Inc.: Your Reliable Provider for Classic Car Insurance

At Allied Brokers Insurance Agency Inc., located in the heart of Palo Alto, CA, we specialize in offering insurance solutions for classic automobiles. We understand the immense pride and joy represented by your vintage, exotic, or classic auto collection, and we make it our mission to protect them through robust insurance coverage against potential threats like accidents, theft, and other perils.

Key Components of Classic Auto Insurance

Classic car insurance stands distinct with a host of customizable options catering to the make, model, auto type, vehicle age, and usage. An especially critical factor is ensuring your chosen policy offers agreed-value coverage. This feature secures your classic car by guaranteeing the full replacement cost, regardless of devaluations like Blue Book Value estimates. It ensures compensation for incidents like fires, theft, and accidents based on the actual cash value agreed during policy purchase.

Classic car insurance also offers incredibly beneficial add-ons. For instance, spare parts coverage allows for the procurement of parts for restoring vehicles. Further, these policies can also cover damages incurred during the restoration process.

What Coverage Do Classic Autos and Collections Require?

Classic auto coverage differs slightly from standard auto insurance due to a few unique features. The typical mandatory requirements include:

  • Agreed Value Coverage
  • Liability Insurance
  • Collision Coverage
  • Comprehensive Coverage
  • Medical coverage
  • Uninsured/Underinsured Motorist protection

Want Superior Coverage For Your Amazing Collection?

Antique car collection is a significant investment of time and money. It necessitates a policy exceeding traditional insurance options. Converse with one of our Allied Brokers Insurance Agency Inc. agents in Palo Alto, CA, to create coverage that’s immaculately tailored to suit your specific needs. Get a customized quote for your outstanding collection today.