CONDO OWNERS INSURANCE:

Steve Muehler - Insurance understands that a California residents have special needs that someone may not have halfway across the country. Not too many people in the Midwest need to worry about earthquakes or tsunamis. Steve Muehler - Insurance wants you to know we're prepared for these situations, and we will make sure you are properly covered in the event of a loss.

Condo Owners Insurance Coverages:

Personal Property:

  • Provides coverage for your household items in the event of a fire, theft or other covered loss.

Additional Personal Property:

  • Provides additional coverage for antiques, fine art, jewelry and other valuables.

Improvements:

  • Provides coverage for fixtures and improvements, such as cabinets, flooring and lighting, as well as other free standing structures that may not be covered by your condo association’s policy.

Loss Assessment:

  • Provides additional coverage in the event your condo association levies an assessment on each condo owner to make common area repairs for a covered loss.

Additional Living Expenses:

  • Provides coverage for living expenses if your home becomes uninhabitable as a result of a covered loss.

 

Personal Liability Protection:

  • Pays for bodily injury or property damage caused to others as a result of a covered incident.

 

Guest Medical Protection:

  • Pays medical expenses for your guests who are accidentally injured on your property.

 

Workers’ Comp Coverage:

  • Pays medical expenses for your personal part-time employees, such as nannies or maids, who are injured on the job.

 

Condos Rented to Others:

  • Provides liability and contents coverage on your condo when you rent it to others.

Why all of our Insurance Applications are reviewed by our Firm prior to issuing a CUSTOM INUSURANCE QUOTE to you! 

  • Misunderstanding: The first reason buying insurance online can be dangerous is because the "online quotes" and the "policies" can be misunderstood and there are few chances to have those misunderstandings explained to you be an industry expert prior to purchasing the insurance policy. 

  • Custom Quotes and Policies are more difficult to set up: Every individual, family, and business is different, and the insurance needs are always different. An online quote and policy purchase is not necessarily able to create a custom policy around those needs of your family or business. This means you will most likely get a general policy that is good for the average person, but not necessarily what is best for you. Odds are, with a Custom Quote, you can "get more for less."

  • Not assigned an individual agent to handle coverage: After buying insurance online you may feel covered and protected. Having one client assigned to you for every potential claim you have to file is a big advantage that you may be missing out on when buying insurance online. An individual who knows your entire history from purchase to claim will be able to fight for you better than someone who was randomly assigned for that one claim after buying online.

  • Adjusting your policy: As business and families grow and change, your insurance policy should change with it to make sure everything, and more importantly, everyone is covered. If buying insurance online, you will rarely speak to the same agent twice and will lose that initial time savings by needing to explain the changing circumstances around your family or business' insurance needs.  

  • Lack location specific assistance: Online quotes and purchasing sites give you the ability to see a standard policy for your area. However, what it doesn't take into account is the individual needs for your exact location and your family and business needs based on that information. 

STEVE MUEHLER:

1055 West 7th Street

Los Angeles, California 90017

Phone: (310) 779-7226

Email: Steve@SteveMuehler.com

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