Welcome to DeCarlo Insurance Services
At DeCarlo Insurance Services, your peace of mind is our priority.
DeCarlo Insurance Services
- Home Owners: Your home is not only where you live it’s probably your most valuable asset, as well. In the event of fire, earthquake, or other unforeseen catastrophes, you need to know that your home and its contents are adequately protected. Contact DeCarlo Insurance Services to discuss the options available.
- Condo Owners: There are unique responsibilities associated with owning a condominium. One of the most important is proper insurance coverage. Whether it is protecting your possessions or an unexpected liability situation, a DeCarlo Insurance Services condominium policy offers the protection you need at a competitive rate. We have comprehensive plans to cover your personal property including your jewelry, silverware, fine arts and other valuable articles. We also offer additional endorsements, including guaranteed replacement cost, loss assessment and special home computer coverage, that can customize a policy to your specific needs. Get total protection with DeCarlo Insurance Services.
- Renters Insuarance: What if you came home from work only to find your apartment had been totally trashed by a burglar? Or what if you walked into your living room and found yourself standing in a 3 inch flood of water? Well, if you think it’s not a major problem because your landlord will foot the bill, YOU’RE WRONG. Your landlord’s insurance does NOT cover your personal property. Things like your clothes, stereo, furniture, television, bicycle, jewelry, personal computer, artwork and other items are not covered by your landlord’s insurance against destruction or loss. As sorry as your landlord may be about the 3 inches of water in your living room or your stolen stereo, you’re the one who’ll have to buy a new couch and stereo system not him. Let the professionals at DeCarlo Insurance Services help you find the right renters insurance to meet your needs.
- Earthquake Insurance: One-quarter of the homes in California have earthquake insurance. The basic homeowner’s insurance policy does not include coverage for the damage caused by an earthquake. DeCarlo Insurance Services offers earthquake policies that cover owners of single family detached homes of wood frame construction, including stucco, brick veneer and decorative brick. Owners of condo units and townhomes may also be eligible for protection. An important coverage to consider is for temporary living expenses, which pays for motel and meals if you have to move out of our home during repairs. There is usually no deductible on this coverage. Earthquake insurance is very specific coverage and understanding the details of your policy is very important. At DeCarlo Insurance Services, we’ll make sure your insurance coverage is rock solid even when the ground isn’t.
- Flood Insurance: What if everything you owned were washed out in a deluge? Flooding is generally not covered by a standard homeowners insurance policy. To determine if you need flood insurance, ask your DeCarlo Insurance Services representative, mortgage company or neighbors about the flood history in your area. If there is a potential for flooding, you should consider purchasing a policy that covers the structure and your personal belongings. DeCarlo Insurance Services is under contract with the Federal Insurance Administration (FIA), part of the Federal Emergency Management Agency (FEMA). With a policy from DeCarlo Insurance Services, you’ll always be high and dry.