Category: Home Insurance

The Right Way to Insure Your Rental Property so Your Claim is Paid

Posted on by Mike Stromsoe

Do You Need Rental Property Insurance if You Have Homeowners Insurance?

It depends on how long you intend to lease the property, but in most cases homeowners insurance won’t be an appropriate substitute for rental property insurance. Having tenants on your property brings on unique risks that may not be covered by your typical homeowners policy, especially if you plan to lease a property for an extended period of time. The type of insurance you need will depend on how often you rent out your home and the duration of your tenants’ stays. These distinctions can be divided into two categories: long-term renting and frequent short-term renting.

Long-Term Rental

If you have an investment property, vacation home or second home which you intend to rent to a single person, couple or family for long periods of time you will need to purchase rental property insurance. Generally long periods of time are described as six months or longer. The same is true if you decide to rent out your primary residence for a large portion of the year. Operating a rental house increases your exposure to risks, such as liability issues related to tenants and their visitors.

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Looking for what to read next?

Frequent Short-Term Rental

If you intend to regularly rent a property to a variety of guests for short periods of time, your property might be considered a business, and you may not be protected by either homeowners’ insurance or long-term rental property insurance. In many cases, this exposure is now excluded from long-term rental property insurance policies. Instead, to cover the associated hazards, you would need to purchase some form of commercial property and liability insurance. For example, for individuals who rent out their home or rooms through a service provider such as Airbnb, some insurance companies can provide vacation rental insurance. These policies include unique features such as bed bug and identity theft coverage.

You should be aware that although service providers themselves may offer a limited form of protection, it usually won’t be as comprehensive as the vacation rental insurance offered by an insurance company. For instance, Airbnb has a host guarantee policy covering property damage to your home up to $1 million for every listing, but the policy includes limitations that traditional insurance won’t. One limitation is that the request for coverage must be submitted within 14 days or before the next guest checks in, giving you limited time to take action and assure reimbursement.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“SIA has been our trusted partner for more years than I can remember. They take care of everything – our business, rental property and all of our personal policies. They always go the extra step to make sure I am taken care of and are always there when I need assistance. Most importantly – I trust them!”
Stefani Laszko – Mythos Technology – Temecula, CA – Client Since 2007

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

What in the World is “Named Peril” vs “All Risk”?

Posted on by Mike Stromsoe

What is a Named Perils Policy?

In the insurance industry, a named peril is a term used to describe a particular type of cause of loss that is a covered “named peril” in your policy.  In insurance, what does a named peril mean? Typically, covered causes of loss for named perils are one of  these 16 events:

  1. Fire or lightning
  2. Windstorm or hail
  3. Explosion
  4. Riot or civil commotion
  5. Aircraft
  6. Vehicles
  7. Smoke
  8. Vandalism
  9. Theft
  10. Volcanic eruption
  11. Falling object
  12. Weight of ice, snow, or sleet
  13. Accidental water overflow or steam
  14. Sudden and accidental tearing apart, cracking, burning, or bulging of certain household systems
  15. Freezing
  16. Sudden and accidental damage from artificially generated electrical current

What is an All Risk or Open Peril Policy?

An all risk or open peril policy covers everything except what is specifically excluded in the policy. An all risk or open peril policy is the superior coverage form.

What are Common Exclusions?

Every insurance policy has exclusions. The most important thing you can do is have a conversation with your experienced, local independent insurance agent to determine your specific coverage needs. Below is a list of common exclusions under most property insurance policies.

Earthquake or Flood | Generally, traditional homeowners insurance does not compensate for damage caused directly by either flooding or earthquakes. We would like to assume that these are rare events, but as we have seen, the effect can be financially damaging.

Wear and Tear | Generally, the intent of an insurance policy is to protect against losses that are “sudden and accidental.” Most policies do not provide coverage when an item wears out due to age and simply needs to be replaced.

Again, the most important thing you can do is have a conversation with your experienced, local independent insurance agent to determine your specific coverage needs and to understand your policy exclusions.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“I have been dealing with Erica Gates for almost 8 years now. She has helped me with my house insurance, car insurance adding my wedding ring to my home owners insurance and now with my earthquake insurance. Erica does what she says she’s going to do, whether it’s check on something for you or return your phone calls. She has been “OUTSTANDING” since day one. You just don’t find people like Erica everyday. Her customer service has been above and beyond. A real keeper. Thanks Erica for all that you do.”
Norma Gold – Winchester, CA – Client Since 2010

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Discover What You MUST Know About Protecting Your Mobile Home

Posted on by Mike Stromsoe

Insuring a manufactured or mobile home doesn’t have to be complicated, whether you live there year-round or seasonally. A manufactured or mobile home insurance policy provides coverage for your home, your personal belongings, and structures on the land you own, lease or rent, for things like fire, windstorm, falling objects, visitor injuries and more.

Mobile Home Insurance versus Homeowners Insurance

In terms of purpose and definition, mobile home insurance is much like standard homeowners insurance. If your manufactured home gets damaged, this insurance coverage offers you protection against financial hardship that may come with having to pay for the repairs or rebuild out of your own pocket.

Typically, a policy for a manufactured or mobile home covers the structure, electronics and appliances, furniture and clothing, a shed or other unattached structures and medical expenses and/or legal fees if someone is injured on your property. Similar to homeowners insurance, you’ll want to get additional coverage if you are concerned about possible damage from earthquake or flood.

Want to keep reading?

What Does Mobile Home Insurance Cover?

Mobile home insurance provides coverage for the dwelling, personal belongings, liability coverage and more.

  • Dwelling coverage: This coverage is for the actual manufactured or mobile dwelling as well as other permanent structures on the property. In other words, any damage done to your home or other structures on the property (like a deck, garage or shed) that is a covered peril is covered under your dwelling coverage.
  • Personal property coverage: This coverage is for your personal belongings. If the items you own are damaged or stolen, your policy covers you, subject to your policy limitations.
  • Liability coverage: This coverage is to protect you in the event someone is injured on your property and you are held liable. Liability protection may cover legal fees and medical costs up to your coverage limit.
  • Additional Living Expenses: This coverage applies, up to the policy limits, when there is damage covered by your dwelling coverage that requires you to live somewhere else temporarily. This may include things like rent or hotel costs.

Make sure you understand the full scope of what is and isn’t covered before purchasing one of these policies, and that you can afford the full cost of repairs not covered.

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Do You Need Mobile Home Insurance?

Mobile home insurance isn’t mandated by law, but before negotiating with you, mortgage companies and mobile home parks can require evidence of insurance. Therefore, mobile home insurance is required for anybody who plans to get a mortgage or establish their home in a mobile home park.

Considering that a new manufactured home in the U.S. costs an average of $70,600, we recommend purchasing mobile home insurance to protect your home and belongings. While policies can be costly, forgoing coverage means putting yourself at risk of a large financial loss.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Let me start out by saying I have insured our “toys” with Stromsoe for years, and have always been very happy with service, responsiveness, et al. Today though, I called for a quote on a property we are starting escrow on in AZ, needing a quote for the lender for homeowners insurance. In AZ. (Did I mention it’s in Arizona?)
Bobby jumped on it, such a great personality! And because he heard the stress in my voice during our original call, wanted to make sure he had information for me by close of business. (Wow!) And .. well .. my other carrier (shall remain nameless) was more than FIVE TIMES the annual premium than what Bobby quoted me! Done deal. I know who I’m going with, and will stay with. Plus I get birthday cards. 😊 Mike Stromsoe and his entire staff .. just wonderful.”
Adria Poindexter – Murrieta, CA – Client Since 2015

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

The Secrets to Helping with Your Claim

Posted on by Mike Stromsoe

Imagine this: It’s Saturday afternoon and you hear a loud noise. Your fence has blown down due to high winds. Should a claim be reported to your insurance company immediately?

This is what you should consider to determine if filing a claim is a good idea:

Reporting Your Claim | The very first thing you’ll want to do when you think you may have a claim on your hands, is to contact our agency immediately to discuss your claim. There are some cases where filing a claim may not be in your best interest. For example, if the amount of work to be done will not exceed your deductible, then the cost will be out-of-pocket and you now have a claim listed on your policy. Once you’ve discussed the situation with your agent, you’ll want to make a record of any damage and be ready to submit photos, videos and documentation of all pertinent facts, including names, phone numbers, witnesses, etc. The last immediate step to take is to prevent any further damage.

If you decide to submit a claim after a conversation with your agent, here are some of the next steps you will experience:

  1. Assigning Your Claims Adjuster| An adjuster is assigned to you to assist with all of the steps of your claim. This is the person who will give you information about next steps and help you if you need payment assistance, such as additional living expenses. It’s important to remember, that just because you have been assigned a claims specialist, this doesn’t mean your Stromsoe Insurance Protection Team isn’t here to support you through the process. We’re just a call, text or click away!
  2. Evaluation & Inspection | Your claims adjuster will gather information about your case and the level of damage sustained while evaluating your claim. This is when you may be asked to provide documentation of damage, such as photos or an inventory list.    Quick Tip: Keep all of your receipts, make notes of who you talk to along with phone numbers, emails and everything that happens during your claims process! From temporary repairs to additional living expenses and food.
  3. Estimating & Determining Coverage | After gathering all of the facts and your documentation of the event, your adjuster will review their findings and your policy and if coverage applies, will prepare and estimate of what they propose to pay for your damages.
  4. Payment & Repair | Your claims adjuster can now issue payments based on the terms of your policy! If you have a mortgage, your lender may have the right to be included as a payee.    Quick Tip: If a contractor asked you to sign a “direction to pay” your insurance company may be required to pay the contractor directly. Again, contact your independent insurance agent before signing anything.
  5. Resolution | Your claim is now resolved, but we are here to help you keep your investments safe. If you or your contractor discover additional damages, contact us immediately so we can help!

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Stromsoe Insurance is a reliable agency, it has provided fast and excellent service and made the process of finding the best homeowners insurance for our home.”
Betty Harrington – Murrieta, CA – Client Since 2014

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Put Your Mind at Ease with Top-Notch Rental Property Insurance

Posted on by Mike Stromsoe

Rental property insurance, also called landlord insurance, covers the unique risks taken in renting out your home or condo for long periods of time. These policies include coverage for the structure, liability insurance protection and loss of rental income for landlords renting their property. Whether you are renting a house, a vacation home or an investment property to others, rental property insurance is an important safeguard against the financial risk associated with tenants living on your property.

What Does Rental Property Insurance Cover?

Rental property insurance coverage will vary from company to company, but policies will generally cover the dwelling, liability protection and loss of rental income. Many features of a landlord insurance policy are similar to a homeowners insurance policy, however, there is a cost savings for the landlord due to policy coverage differences.

Dwelling Coverage

Rental property insurance covers physical damage to the structure of the home itself. For example, it will cover damage to your walls and roof but not personal items of your tenant. Coverage will only extend to damage caused by a covered peril, and you should make sure to understand what type of perils are covered by your individual policy.

Coverage For the Landlord’s Personal Property

Unlike renters insurance, rental property insurance does not cover the personal property of tenants inhabiting the property. However, these policies can include coverage for items left onsite by the landlord. For example, if you left a lawnmower at your rental house and it is damaged by a fire, damage to the machine would be covered. On the other hand, if your tenant bought a personal air conditioning unit that is damaged by the same fire, the AC unit and the rest of the tenant’s property would not be covered by your rental property insurance.

Want to keep reading?

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Liability Coverage

Liability coverage will protect you from the legal and medical costs associated with someone being injured on your rental property. If your tenant or a visitor is injured on your property, and you are deemed responsible for the injury, rental property insurance can cover these costs up to your policy limits. If you’re someone for whom the limits of this coverage are not sufficient to cover potential liabilities and you wish to increase your coverage, you could also purchase umbrella insurance for your rental property.

Loss of Rent Coverage

This coverage offers security against loss of rent payments if, because of a covered peril, the property you rent is uninhabitable due to damage from a covered loss. For instance, if fires are protected by your policy and fire damage makes your apartment unlivable, you are covered by rental income protection for the rental payments that your renters are no longer required to pay. In general, coverage will extend to a specified period of time, such as 12 months. Loss of rental income does not always come standard with rental property insurance, so you should check your policy before purchasing it if this type of coverage is important to you.

Optional Additions

  • Vandalism coverage: This usually covers deliberate physical damage to the home.
  • Ordinance or law coverage: This covers a loss of value or costs associated with enforcing local laws surrounding the repair of property caused by an insured loss. Make sure you include this protection.
  • Flood
  • Earthquake

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Stromsoe Insurance is a reliable agency, it has provided fast and excellent service and made the process of finding the best homeowners insurance for our home.”
Betty Harrington – Murrieta, CA – Client Since 2014

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

How Is Condo Owners Insurance Different Than Standard Homeowners?

Posted on by Mike Stromsoe

When you’re comparing condo owners insurance and a standard homeowners insurance policy, are they different? Yes. When you’re insuring a condo you are only working within the space that you own and are then responsible for.

Condo insurance covers damaged or stolen belongings, as well as liability costs if guests are injured in your home. As a condo dweller, you don’t own the structure you live in or the land its on, meaning you are usually only insuring walls in leaving it up to the condo or homeowners association to carry a master policy to insure studs out.

What is Condo Insurance?

Condo insurance covers what your Condo Association Master Policy won’t, like repairing the inside of your unit after disasters, replacing damaged or stolen belongings and paying liability costs if guests are injured there. Many times, part of your condo fees will go toward a master policy to insure the exterior of the structure in the event of damage. Examples of what would fall under the COA’s jurisdiction are damage to the roof, exterior walls, hallways, elevators, and other common areas such as tennis courts, swimming pools or lobbies.

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What to read next:

What’s Covered in my Condo Owners Policy?

Usually your own policy on your condo will cover three things: your personal property, loss of use to cover living expenses in the event that damages force you to vacate for a time and in the event of damages if someone sues you due to negligence.

Below are some common problems that would and wouldn’t be covered with a typical condo owners insurance policy:

Usually covered:

  • Fire and smoke
  • Explosions
  • Wind and hail
  • Theft
  • Vandalism
  • Lightning
  • Burst pipe

Usually not covered:

  • Earthquakes
  • Floods
  • Intentional injuries to others
  • Nuclear hazards
  • Damage from birds, rodents and insects
  • Wear and tear
  • Damage from underground water

Is Condo Owners Insurance Required?

Current laws do not require you to carry an insurance policy as a condo owner. Similar to homeowners insurance, a mortgage lender will commonly require you to purchase a policy to protect their financial investment through the length of your loan.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Stromsoe Insurance is a reliable agency, it has provided fast and excellent service and made the process of finding the best homeowners insurance for our home. Thank you Maritza for taking care of our insurance needs!”
Betty Harrington – Murrieta, CA – Client Since 2014

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Renters Insurance FAQs Answered!

Posted on by Mike Stromsoe

What is Renters Insurance?

Renters insurance is a form of homeowners insurance that covers your personal property and belongings and provides liability coverage when you’re living in a structure that you don’t own. Renters insurance provides all the same protection as homeowners policy does except there is no building coverage, which significantly reduces the cost of the policy. The good news is you are still covered for scenarios such as fire, theft and more 🙂

What Does Renters Insurance Cover?

There are three things commonly included in your renters insurance policy: personal property items, temporary relocation expenses and liability in case you are sued.

Personal Property

Most policies will reimburse you for the loss or destruction of your personal belongings due to 16 specific events:

  • Fire or lightning.
  • Windstorm or hail.
  • Explosion.
  • Riot or civil commotion.
  • Damage caused by aircraft.
  • Damage caused by vehicles.
  • Smoke.
  • Vandalism or malicious mischief.
  • Theft.
  • Volcanic eruption.
  • A falling object.
  • The weight of ice, snow or sleet.
  • Accidental discharge of water or steam from within certain household systems or appliances.
  • Sudden and accidental tearing apart, cracking, burning or bulging of certain household systems.
  • Freezing of certain household systems or appliances.
  • Certain sudden, accidental damage from artificially generated electric currents.

 

Read More on Renters Insurance:

 

Did You Know?

Most insurance companies offer reimbursement at replacement cost for your renters policy. Replacement cost policies pay for the actual cost of replacing your possessions with new ones.

Replacement cost coverage will help replace your older items with brand new replacements, without deduction for depreciation. For example, you have a TV that is 5-years-old. When its stolen, you will be paid for the full value of a new TV, not the value of a 5-year-old TV.

Renters policies typically have a cap on what they will pay out for valuable or unique items. If you want to cover grandma’s handed down diamond ring or your collection of music equipment, you may need to purchase a policy add-on to ensure they are covered to their full value.

Additional Living Expenses or Loss of Use

When your house becomes unusable due to problems protected by your policy, insurance coverage for tenants normally provides for additional living costs until your house is repaired. This includes payments for hotels, meals from restaurants and other charges above what you would usually spend.

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Liability Insurance

If you are having guests, you are opening your rental property to risk. In the case of an injury in your rental leading to a lawsuit, the liability coverage in your renters insurance would pay out for someone else’s bodily injury or property damage and typically legal representation. It also covers damage you and your family accidentally do to others.

This can also come into play in the event of a dog bite, but ask your agent and read your policy to be sure it is not excluded.

What Does Renters Insurance NOT Cover?

  • Natural Disasters. Your insurance usually won’t cover items damaged by flooding, sinkholes or earthquakes. If you live somewhere that these are common occurrences, you will want to purchase additional coverage.
  • Undocumented Items. You’ll likely need to provide receipts or similar during a claim. If you can’t prove you owned the item with some sort of documentation, then you may not be fully reimbursed.
  • Roommates’ Belongings. A renters policy covers your personal belongings as the insured person. An item that doesn’t belong to you won’t be covered just because it is in the rental property.
  • Rodents, Pests & Bugs. Renters insurance won’t cover damage done by these creatures, or the cost of an exterminator. Be sure to take preventative measures to protect your investments.
  • Property Damage. Renters insurance covers your belongings, not the structure. Any damage to the structure will fall under your landlord’s insurance. If you have concerns you’ll want to ask them about their coverage on the structure.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one mother of teens that trusts Stromsoe Insurance Agency:

“My experience with Stromsoe Ins. Agency has been very helpful when in need. The whole staff have been corporate and very professional in what they do. I would and have recommended them.”
Janette Corral – Lake Elsinore, CA – Client Since 1999

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

How to Lower Your Homeowners Insurance Premium

Posted on by Mike Stromsoe

Hi 🙂

You’ve worked hard to get where you are, owning a home is no small feat. Buying a home comes with property taxes, down payments, mortgage payments, closing costs, possible HOA fees and more. There are many steps that come with buying a home, but if there is one step you shouldn’t have to worry about, it’s Homeowners Insurance.

Do you know the difference between your home’s market value and it’s true cost? Read more on that here.

If you are a client of Stromsoe Insurance Agency, you’ve already made one huge step towards the right protection and savings! The beauty of using an independent insurance agency, is that we do the shopping around for you.

For your consideration if you haven’t checked with our total protection team, here are 7 ways you might be able to lower your homeowners insurance premium:

  • Know the difference between your home’s market value and it’s true cost
  • Improve your home’s ability to withstand disaster
  • Remove hazardous items, like trampolines or diving boards, from your property
  • Install or upgrade your home’s security system
  • Know the difference between routine maintenance and the need to file an insurance claim. Always call your independent agent first !
  • Stick to one insurance company, bundling your policies will often lead to discounts, deductible and coverage benefits and more
  • Understand your policy; if you have any questions about your coverage or ways you can lower your risk, ask your local independent agent who works for you first !

Do you know what its time to file a claim on your homeowners insurance? Read more on that here.

Standard homeowners insurance offers protection against a variety of hazards to your house, unattached structures, personal property, loss of the use of your home and personal liability coverage. Whether  a small part of your property is destroyed or your entire house is demolished, coverage on your homeowners policy kicks in to help pay to repair and replacement so you’re made whole again after an unexpected loss.

Questions? Want to learn more?

Here’s 4 easy ways to reach us:

Phone: 951-600-5751
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from a homeowner that trusts Stromsoe Insurance Agency:

“Stromsoe team was proficient, knowledgeable, responsive and friendly. They took care of our needs immediately. Very, very pleased with Sarah, this coming from a full time real estate broker of 48 years. I deal with a lot of people and this is a sincere statement about our business experience with Stromsoe Insurance Agency. Please share our sentiments with others. Thank you.

Skip & Holly Davis – Temecula, CA – Client Since 2018

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Below is a link with all of the details:

Complete Satisfaction Guaranteed with Every Policy

Is Your Home Insured to its True Value?

Posted on by Mike Stromsoe

One of the biggest investments you make is purchasing your home. Did you know there is a difference between market value and replacement cost of your home and belongings?

Your home’s market value is the value determined by an appraisal and will include the status of the overall economy, your neighborhood’s property values, the condition of your home, the materials used to construct your home, and how much it’s worth in the current market. This is different from how much it would cost to rebuild the home if there were damage. Replacement cost is the estimated cost to construct a building with equal utility to the building being appraised, at current prices.

In the case of disaster, you’ll want enough homeowners insurance to rebuild your home, help replace belongings, to be used as support if you’re unable to live in your home and to protect your financial assets in the case of liability to others.

What are some of the factors that affect the rebuilding of a home?

  • Construction costs in your area
  • Structure square footage
  • The type of frame, masonry or veneer used for exterior wall construction
  • The style of the structure
  • The number of bathrooms and other rooms
  • The roofing materials used
  • Garages, sheds and other structures on the land
  • Fireplaces, exterior trim, arched windows and other special features
  • Whether the house was custom built, even if only in part
  • Improvements you’ve made that have added value to your home

Do you know if your home is insured to its value? My name is Sarah and I can help make sure it is…give me a call at 951 600 5751

When Should You File a Homeowner’s Insurance Claim?

Posted on by Mike Stromsoe

When you’re a homeowner there are things that may break or damage you may come across, these things happen. There is a difference between regular maintenance and needing to file a homeowner’s insurance claim. Filing a homeowner’s insurance claim can negatively affect you and may even lead to a non-renewal of your insurance policy.

Some possible consequences for filing unnecessary or multiple claims can be:

  • rising premiums,
  • policy cancellations,
  • or difficulty finding coverage with another company.

 

Reaching out to your agent first provides you with knowledge and resources to ensure you’re making the right choices. As your local Independent Insurance Agency, our team works for YOU, not the insurance company.

Some situations where it’s in your best interest to avoid filing a claim are:

  • repairs that cost less than your deductible,
  • damages that are relatively minor,
  • and claims caused by poor maintenance on the homeowner’s part.

 

Thank YOU for the opportunity to serve and protect you, your loved ones and everything you worked so hard for. What more can we do for YOU?

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877.994.6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from people that trust Stromsoe Insurance Agency:
“SIA has helped my husband and I find the lowest rates for our car, home and business insurance. We are very happy with the service that SIA provides us. We would like to thank Cherie Wachel, but specially Shauna Smith who is always very helpful and very nice, she always has the perfect answer for all of our questions. Thanks.”
Luz Ma Silver – Silver Cleaning – Client since 2005

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!