Los Gatos Insurance Center for all your home auto car insurance needs in California
Los Gatos Insurance Center for all your Commercial Business auto car home insurance needs in California
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Los Gatos Insurance Center

We are asked many questions that tend to be common among most people. Below is a list of some of the common questions we are asked.

If I loan my car to someone, am I insured by my auto policy?
Most insurance carriers will extend coverage as long as the driver has a valid drivers license. If someone borrows your car on an occasional basis (once or twice) you most likely do not have to add them as a driver. If someone is driving your car on a regular basis, you should probably add them as a driver to be sure all of your coverage and limits apply. Consult your Broker to see if your particular policy will protect you.

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If I go out of town and rent a car, does my auto policy extend coverage to protect me?
Most insurance carriers will protect you for the exact same coverage and limits that you have on your own auto policy when driving a rental Car. Typically coverage does NOT protect you if you rent a car outside of the USA. Also, most policies will NOT extend coverage if you were to rent a vehicle from a company such as U-Haul due to the use and weight of the vehicle. Consult your Broker to see if your particular policy will protect you.

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If I put custom wheels or a custom sound system in my car, am I insured if they get stolen?
Most auto carriers require that you amend your auto policy to insure these custom items. When calculating the premium for comprehensive and collision coverage, insurance carriers determine the factory equipment that is on a vehicle from the Identification number. If your car came with basic wheels and a standard AM-FM radio system, that is what they will replace. It is always advised to add the additional custom items endorsement for the specific value of the items you have put on the car to make sure you have coverage. Consult your Broker to see how this coverage applies to your vehicle.

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If I borrow a friends bicycle and it gets stolen, will my homeowners policy extend coverage?
Most homeowner policies will extend coverage to property in your care, custody, and control (typical personal property). The same terms and conditions that apply to your own property will apply. If you borrow an item from someone for a prolonged period of time, we recommend that you call your Broker to verify coverage.

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If my significant other buys me an expensive piece of jewelry or watch, does my homeowners policy protect me for the high value?
Most homeowner policies have a specific limit of coverage when it comes to what they consider "High Theft items". Most policies will insure you up to a maximum of $1,000 per any one item and up to $2,500 for all of your jewelry. We recommend insuring these expensive items on a jewelry floater. This is an endorsement or policy that insures the item for the specific value listed on an appraisal or purchase invoice. The carrier may also require a copy of the appraisal or purchase invoice along with photos of the items. Most carriers also require that the appraisal or purchase invoice be less than 12 months old. If it is over that time frame, you will be required to get an updated appraisal. Consult your Broker on how your coverage applies.

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My dog escapes from my yard and bites someone or I'm playing golf and I hit a terrible shot that injures another player — does my homeowners policy protect me?
Your homeowners package policy should include personal liability coverage that would protect you. The amount of coverage is determined by the limit listed on your policy. Consult your Broker on the protection your policy gives you.

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I just bought a personal liability umbrella policy. Since I have this higher limit of liability coverage, can I reduce my limits on my cars and home to save some money?
All personal liability umbrella policies are structured to protect you if in the event you exhaust the primary limits of your personal auto policies or homeowners policy. All umbrella carriers require that your primary policies (this would be your auto or homeowners policy) have a specific limit that the umbrella policy extends over. Call your Broker to verify the minimum limit of your policy.

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