HOMEOWNERS INSURANCE:

PROPERTY INSURANCE:

  • For most Californian's, a home represents the biggest financial investment they will ever make. It is important you protect this investment with the right Property Insurance Coverage that fits the needs of yourself and your family. Property Insurance may insure your home from the following damages: Fire & Lightning, Collisions from Vehicles & Aircraft, Hail, Sewer & Drain Backup, Windstorm, Vandalism, Volcanic Eruption, Smoke, and Freezing Conditions & Snow. 

HOMEOWNERS LIABILITY:

  • Accidents can happen anywhere and at any time. If someone were to claim an injury on your property, there is not better protection from that accident affecting your finances that there is with the proper insurance policy. As the property owners, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, flood hazards, or falls resulting from a slippery surface. Our Property Insurance Policies can ensure the security of your finances and the safety of your family in the event of an accident. The right coverage is essential because with accidents that result in serious injuries, you may be responsible for paying large medical bills and even court costs. Our Homeowners Insurance Policies work to protect you in a variety of situations, including: Claims for Property Damage, Claims for Injury to Others (either on or off your property), Liability Defense Costs, and Medical Expenses for Injuries to Others. 

MOBILE HOME INSURANCE:

  • Mobile Home Ownership is on the rise, and many mobile homes today feature the same comforts associated with the traditional "stick built homes". But, sometimes accidents like fire or severe storms can cause major damage. Steve Muehler - Insurance Specialized Mobile Home Insurance Policies can safeguard your Mobile Home and your belongings in the event of a covered loss. Mobile Home Insurance works much like a typical Homeowners Policy and typically includes many of the same features. 

SCHEDULED PROPERTY INSURANCE:

  • Scheduled Personal Property Insurance is an enhancement of the Homeowners Insurance Policy or the Renters Insurance Policy that includes items of exceptional value such as jewelry, cameras, artwork, sports equipment, firearms, musical instruments, collectibles, and more. If any of the items covered in the policy are damaged or stolen due to a covered incident, your policy will help pay for the expenses associated with the repair or for a replacement. 

LANDLORD INSURANCE:

  • A rental property is a valuable asset that supplies a steady fixed income to many landlords throughout the State of California. As an owner of a rental property (apartment, single-family residence, multifamily property, condo, etc.) you surely want to be prepared for any event that may result is a loss of the property or a financial loss to your financial assets. With Steve Muehler - Insurance, you will receive a complete Landlord Insurance Policy that keeps you and your rental property adequately insured. 

  • A Steve Muehler - Insurance Landlord Insurance Policy can provide options from Liability Coverage, Personal Property Coverage, Medical Payments to others, and Dwelling Coverage that all meet the risks that are associated with ownership of a rental property. ​​

  • Additional coverages can include:

    • Damage to the Subject Property or other attached structures from a Fire, Natural Disaster, or other loss, including damage caused by tenants. ​

    • Expenses you may be legally obligated to pay for the Subject Property's Damage or Medical Payments in the event of an injury. 

    • Legal Counsel and fees in the event of a related Lawsuit.

    • Additional Expenses to make up for Lost Rental Income if the Subject Property needs repairs due to a covered loss. 

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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