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Scurich Insurance Services - Blog

Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process. When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request. SERVICES In order to provide value added benefits to our customers that go beyond the insurance policy Scurich Insurance Services offers the following additional services: Safety Programs – English and Spanish OSHA Compliance Safety Policies – English and Spanish Online OSHA 300 Log Safety Posters and Payroll Stuffers - English and Spanish Certificates of Insurance – If received before 3:30pm done the same day Risk Management Consulting Brokerage Services Represent most major insurance companies to better market your account. Safety tapes/DVD’s BUSINESS LINES Commercial Commercial Packages Business Auto Workers Compensation Umbrella Bonds Directors & Officers Professional Liability Employment Practices Liability Personal Auto Home Umbrella Recreational Vehicles Boatss Life & Health Individual Medical Individual Life Group Medical Group Benefits

Specialty Item Coverage Review: Reappraise & Cover

Tony Scurich Tony Scurich , 2/5/2015
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Whether you are a collector of fine art or you have a garage full of vintage cars that are the envy of the neighborhood, you likely added them to your homeowners insurance when you purchased them and thought your job was done. After all, in the event of a catastrophic event -- fire, flood, burglary -- you thought your items were fully covered. It is worth delving more deeply into this subject, though, because you might be surprised to learn that your current insurance policy is not providing you with the coverage you thought it was. Riders for Special Items When you insure items that are extraordinary, your regular insurance simply might not provide enough coverage. Its limits could be far less than what the item is worth. Instead, ask your insurance agent about a specialty rider that is geared only toward that specific item or collection of items. Depending on the details, such a rider could cost you a few hundred dollars more for your insurance. The peace of mind you gain by adding such a rider is well worth the extra cost. Reappraise Extraordinary Items Before your fine art or jewelry was insured, you had it appraised to determine its value. Reappraising items such as this at least every two years helps keep your insurance on pace with their value. Most high level possessions continue to climb in value which means they could easily outstrip their levels of insurance coverage if you do not keep tabs on it. Regular appraisals will help ensure that inflation and valuation are kept to current levels in the event of a loss.
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