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Quotebroker Insurance Services Blog

Why do landlords in Santa Clarita frequently require renters insurance?

The Santa Clarita, CA area is a great place for people to move to. The nice weather, local amenities, and other advantages can offer a great quality of life. If you move to this area, you may consider renting before committing to a home purchase and mortgage. If you do rent here, you will likely be required to have renters insurance. There are a few reasons why landlords in this area typically require that their tenants carry this coverage.

Provides Liability Protection

A key reason that the landlord will want you to have renters insurance is it offers liability protection. If you are renting an apartment from a landlord and you make a mistake that causes damage to your unit or another property, your renter’s insurance plan will offer coverage to pay for the damages. This will ensure that you have the capacity to make repairs and pay for damages that could arise.

Protects Tenant Assets

Your landlord will also want you to have renters insurance to ensure that your personal assets are protected. If there is ever a fire, theft, bad weather, or other situation that results in you losing your personal assets, you will want to be reimbursed for your loss. If you are covered with renters insurance, it will ensure that you can work with your insurance provider for reimbursement. 

A Santa Clarita, CA renter will almost always need to have renters insurance when moving into a new home. If you are shopping for a new insurance plan in this area, it would be wise to call QuoteBroker Insurance Services. The team with QuoteBroker Insurance Services can answer your questions and ensure that you have the support you need to choose a new plan. 

Auto Insurance: Limited Liability Versus Full Coverage

One of the most important considerations when choosing an auto insurance plan is taking out full coverage or a limited liability insurance plan. Your choice may have a major impact on the cost of your insurance plan as well as what is covered in the event of an accident or another incident.

That’s why we’re going to take a look at limited liability versus full coverage auto plans. However, if you have any questions or need help, you can reach out to QuoteBroker Insurance Services, which serves customers in California.

Limited Liability Insurance Explained

Many states require that drivers carry limited liability insurance, at the very least. This insurance will cover other people should they be injured in a car accident. Limited liability insurance may also cover the cost of property damage, including to another driver’s car.

As the name implies, however, limited liability insurance is “limited.” Generally speaking, limited liability insurance will not cover damage to your own car in the event of an accident. Limited liability insurance may not cover weather damage. If a storm knocks a tree over and it lands on your car, your limited liability insurance may not pay for damages.

In California, drivers must carry limited liability insurance that covers at least $15,000 in injuries to another single person, $30,000 in total injury coverage for all other people, and $5,000 in coverage for property damage.

Full Coverage Insurance

Many drivers opt for full coverage insurance. Not only does it usually cover everything that limited liability insurance covers, it typically provides extra coverage. If your car is damaged in an accident, your insurance company may reimburse you, for example.

You can also purchase coverage to cover your vehicle if it is stolen or damaged during a storm or other weather event. This provides peace of mind and may save you from some costly bills.

California residents can contact QuoteBroker Insurance Services to learn which type of insurance is best for them.

What Does Commercial Insurance Cover?

If you are looking for a policy to protect your business, commercial insurance should be your first choice. But with the various requirements and coverage options for companies based within Santa Clarita, CA, a simple consultation can be a tricky ordeal, especially for first-time policy seekers. QuoteBroker Insurance Services highlights some essential items covered by commercial insurance to help with this.

Work-Related Injury

Accidents at the workplace often happen when you least expect them to, with some resulting in lawsuits. If your employees suffer any work-related injuries, workers’ compensation coverage offsets any medical costs for treating injuries and any legal fees you incur after unexpected mishaps.

Property Damage

If you or your employees get into an accident, commercial policies such as auto insurance will help pay for the costs of repair or replacement of your business vehicle. Other options such as commercial property insurance will offset any expenses you incur when your office equipment and items, such as furniture, get destroyed during events such as fire outbreaks.

Cyber Threats

Data breaches are a growing concern for businesses who store their data online, with cyber hacks estimated to cost businesses massive losses. To help keep your business out of such threats, cyber insurance provides coverage to companies that experience data breaches while also covering data retrieval costs. If you also experience legal damages from such an incident, cyber coverage takes care of your legal fees, along with any costs related to securing your site.

General Liability

Businesses may occasionally need to combine property damage and bodily injury into a single policy, an area that general liability insurance covers. In addition to this, general liability will also provide coverage when slander and libel claims occur, making it a worthwhile option for Santa Clarita, CA businesses.

For more information on how to protect your business from the above-listed emergencies, consider giving QuoteBroker Insurance Services a call. Our agents will take you through our vast range of commercial insurance options and guide you to your desired selection.

Who Needs Boat Insurance in Santa Clarita, CA?

If you are a resident of the city of Santa Clarita, CA and want to know more about boat insurance in your area, there are places you can go for this information. One is QuoteBroker Insurance Services.

In the state of California, boat insurance is not required legally. However, it would be a brilliant idea to get boat insurance since having a boat will come with certain risks. If you experience damage to your boat or yourself while you are on it because of an event such as a collision, it would be good to have certain boat insurance coverage types. These include the following:

  • Liability
  • Collision
  • Comprehensive
  • Emergency
  • Medical
  • On-water towing and labor

Even though you don’t technically need boat insurance in the state of California, it would be a good idea to have it as long as you have a boat or some other type of personal watercraft. You never know when a mishap could happen, and it is always good to be prepared in the event of one.

You are not required to have boat insurance or a boater’s license in the state of California, but it is a good idea to know all of the necessary rules when it comes to operating a boat and to be insured anyway. One rule that is good to know is that if your watercraft is longer than eight feet in length, you will generally need to have it registered with the California DMV.

If you live in Santa Clarita, CA and are interested in learning more about boat insurance in the state of California, you should feel free to contact the professionals at QuoteBroker Insurance Services. They will be able to answer any questions that you might have and potentially point you in the right direction when choosing a policy of your own.

What are the benefits of getting an umbrella insurance policy?

The Santa Clarita, CA area can be a great place to work and live. When you are a resident of this area of California, you always want to know that you have proper insurance coverage. If you are in the Santa Clarita area, an important form of insurance to acquire is umbrella coverage. This coverage will come with several different benefits for you. 

You Receive Coverage for the Unpredictable

A major advantage that is received when you invest in umbrella coverage is that you will be covered in high-cost situations. While some liability risks are more common and predictable, others could seem to come out of nowhere. When you get an umbrella policy, it will give you a broad coverage level that will provide you with more protection and peace of mind.

Coverage for Bigger Claims

Another advantage of an umbrella plan is that you will get coverage for larger claims. Most people will have some coverage through their existing insurance plans. However, each plan will have a certain coverage limit. If there is ever a claim in excess of these levels, you will still be liable and will have to cover the balance out of pocket. If you have an umbrella policy, it will give you the coverage to offset this risk. 

If you would like to get an umbrella policy and are in the Santa Clarita, CA area, you should speak with QuoteBroker Insurance Services. The team with QuoteBroker Insurance Services understands how valuable this coverage is. When you call our team, you will get the guidance you need to assess your needs and insurance options fully. 

New Parent Guide to Health Insurance for their Child

Having a baby is one of life’s most exciting moments, but between the constant crying, lack of sleep, and consistent feeding, it is easy to forget to do the little things – like signing your baby up for health insurance. Luckily, you can take a breath because if you receive medical benefits through your employer, your baby will be automatically covered under your policy for the first 30 days. Giving birth is a qualifying life event, which means that you can either sign your baby up for your current plan or switch to a different one during a period outside of open enrollment. These rules apply to any new parents – regardless of whether you are having a natural birth or adopting.

If you do not have insurance through your workplace, you can use the federal government’s health insurance marketplace to shop for coverage through a Special Enrollment Period. Similar to above, this is a time outside of the open enrollment period when you can sign up for health insurance because you’ve had a qualifying life event like having a baby, adoption, getting married, and losing existing coverage. You have up to 60 days after the qualifying event to sign up for health insurance. If you attempt to sign up outside of that range, you’ll have to wait until the next open enrollment period.

At QuoteBroker Insurance Services in Santa Clarita, CA, we understand that having a baby can be exciting and overwhelming. Consequently, we make it easy for you to find the best health insurance policy for your needs by doing the heavy lifting for you. Give us a call today to learn more. 

How to Update Your Commercial Insurance in Santa Clarita

Updating your commercial insurance in Santa Clarita, CA starts with asking some pivotal questions. Too many business owners will renew their insurance, never stop looking at the policy’s terms and how they might not mesh with their current operations anymore. QuoteBroker Insurance Services has a few tips so that you can get your policy up to speed. 

What’s Changed?

A new policy means that you need to factor in what might have changed between the last time you looked at it. What’s your customer volume like these days? More people means more chances for liability, so it helps to be prepared in that area. You may need to increase your liability limits or even check into an umbrella insurance policy to keep yourself protected. If you’re ordering more inventory or changed your business practices in any way, these are also good things to keep in mind when you’re creating a new contract. 

Who Are You Working With?

Some insurance companies are more communicative than others. They take the time to learn more about your business and how coverage can keep it protected. But others don’t have that same agenda. If you find yourself dreading the idea of reaching out to your carrier, then updating your commercial insurance could be as simple as switching companies. 

QuoteBroker Insurance Services is here to serve the many business owners of Santa Clarita, CA, and keep them protected from any number of potential events. Whether it’s an unexpected storm or a cybercrime, we can discuss several scenarios and what you can do to prepare for them. Give us a call today if you’re looking to update your commercial insurance coverage, so we can get the ball rolling.

3 Tips for Customizing Your Home Insurance in Santa Clarita

Customizing your home insurance in Santa Clarita, CA is likely more common than you think. Too many people will look at their neighbors and assume that the home insurance policies are the same. But just because you live in the same area doesn’t mean that you use your home in the same way. QuoteBroker Insurance Services is here to give you three tips for getting your home insurance to be as personal as your property is. 

1. Look at What You Do 

From cooking to crafting, some activities are more dangerous than others. In addition, if you’re using your home for any commercial interest, you may need to update your policy to include this information. For example, if your home sustained fire damage while you were melting down metal to make jewelry. If you were doing this to sell the jewelry and hadn’t alerted your home insurance carrier about this, you risk the chances of your claim being approved. 

2. Think About What You Buy 

Major purchases in a home are usually not done all at once. Instead, homeowners do so gradually, forgetting that each purchase increases the total value of their possessions. It’s important to update your coverage limits when exceeding their current values, and a smart step toward better customization. 

3. Consider Your Carrier 

Customizing your insurance is far easier when you have a reliable partner by your side. At QuoteBroker Insurance Services, we’re here to provide you with excellent customer service so that you can be certain your coverage is what you’re looking for. If you have questions about updating your home insurance policy in Santa Clarita, CA, we’re here to talk through your options so you can settle on the right policy for you.

Business Insurance

  • General Liability
  • Commercial Property
  • Workers Compensation
  • Group Health
  • Professional Liability (E&O)
  • Bonds
  • Commercial Auto
  • Business Owners Policies (BOP)


Partner Carriers

  • Aegis
  • Aetna
  • Aflac
  • AIG
  • American Modern
  • Amtrust
  • Anthem
  • Assurant
  • Berkshire
  • Blue Cross
  • Cigna
  • Foremost
  • Health Net
  • kemper
  • MetLife
  • Nationwide
  • Safeco
  • Travelers
  • USLI
  • Zurich