5 Reasons Why You Should Have Homeowners Insurance

Home ownership is one of the largest investments you will make, so protecting this investment with quality homeowners insurance is a crucial part of being a responsible homeowner. However, while many Americans understand the importance of homeowners insurance, some don’t understand the specifics of what it covers if a burglary, natural disaster or other property damage occurs.


Click here to read the five things your homeowners insurance policy should cover if an unexpected or unforeseen loss were to happen.



5 Tips to Prepare Your Boat for the Open Water

As a boat owner, it is your responsibility to keep yourself and your passengers safe. Take a look at these 5 tips to prepare your boat for the open water:

  • If you’ve had your boat in storage, the first thing you need to do is give it a thorough cleaning. That way you will have more visibility to check for damage to the exterior.
  • It is very important that you check your oil. You'll want to completely drain it and refuel versus just topping it off. This will make sure your recreational vehicle runs as smoothly as possible. You also need to check your brake fluid and antifreeze coolant.
  • Having corroded connections can be very dangerous. Inspect all your electrical connections and make sure they are clean, tight, and free of corrosion.
  • Check your life jackets to ensure they are in good condition. You also need to make sure there are enough jackets for every passenger on board.
  • It's the perfect time to check up on your boat insurance coverage. At General Insurance Services, we can make sure you have the proper coverage to protect yourself, and your passengers. Call us at 949-438-5207 or contact us to learn more about how we can keep you secure. 

Want to learn more about protecting your boat? Click here to see our boat insurance coverage options.



Why You Need a Renters Insurance Policy

Renting a house, condominium, or apartment continues to be a popular lifestyle option, but the importance of renters insurance hasn’t been embraced by many renters. Some landlords require that their renters carry a renters insurance policy.  Whether required or not, renters should realize how much they can benefit from having an insurance policy that can help protect their valuables in a life-changing event like a fire or theft.


Please do not make the mistake of assuming that damage to your property in your rental home or apartment will be covered by your landlord's insurance policy. Usually, the owners of rental properties purchase only enough insurance to repair or replace their structures. It is up to you to insure your personal property.


Your landlord probably will bear no responsibility for replacing your property in the event of loss from fire or theft.  However, Renters Insurance offers the same general personal property coverage as homeowners insurance and protects against losses from theft, fire, lightning, vandalism, windstorms and water damage from broken water pipes.


The “Loss of Use” coverage typically will help address some of the costs for you to temporarily live elsewhere, if your rental house becomes inhabitable. This benefit also usually includes the cost of meals, over and above your normal expenses.


Please don’t assume that you don't own enough valuables to make buying insurance coverage worthwhile. The cost of replacing clothing, furniture, computers, TVs and books can easily add up to thousands of dollars.

Replacement Cost vs. Actual Cash Value

An important consideration when buying a renters policy is whether to buy an actual cash value renters policy or a policy that covers the full cost of replacement.


With actual cash value coverage, insurers depreciate lost or damaged items based on their age. For example, if you owned a 10-year-old couch that was stolen, the actual cash value would be the cost of buying a used couch of comparable age and condition.


If your policy includes replacement cost coverage, your insurer would pay based on the cost of a new couch of the same quality without applying depreciation.

Renters Liability Coverage

One of the most important coverages included with a renters insurance policy is personal liability coverage. Just like homeowners insurance, renters policies cover your liability for injuries or property damage that you, your family members or your pets may cause to others.


For example, if somebody were at your house and slipped and was hurt, you could be held financially liable for their injuries. However, the liability section of a renters policy would pay for your legal damages, up to your policy limits if you are found to be negligent and caused the injury. The policy would also pay for your legal defense.


Be sure to choose a renters policy with liability limits that are high enough to protect your personal worth.

How Much Will Your Renters Policy Cost?

Renters insurance policies are relatively inexpensive, considering the broad protection they offer.  The cost is low because renters don't need to buy insurance to protect their homes, only the contents.  At General Insurance Services we can write your renters policy with great companies like Mercury or Travelers for a premium as low as $125 a year. In addition, most companies give a multi-policy discount on your auto insurance if you also have your renters insurance through them.

General Insurance Services

629 Camino De Los Mares, Suite 306

San Clemente, CA 92673

Main office: 949-438-5207
Toll free: 800-244-9878
Fax: 949-248-1716

Office Hours:

Mon: 8:30 AM - 5:30 PM
Tues: 8:30 AM - 5:30 PM
Wed: 8:30 AM - 5:30 PM
Thurs: 8:30 AM - 5:30 PM
Fri: 8:30 AM - 5:30 PM
Sat: By Appointment
Sun: Closed

Our Providers


My experience with General Insurance Services has been terrific. They are professional, knowledgeable, quick to respond. I have always felt like they have had my best interest in mind. I highly recommend them.
Kim W
Wonderful, product smart people who answer the phone promptly and know how to listen then find what you are looking for. Very stable. When they have been around for this long, you know they will be there when you need to call.
Gregg M.
As always, you have been there for my wife and me for several years and this is to let you know I do appreciate the personal excellent service you provide to us
Ron C.
I love the service our family receives from General Insurance!
Debbie S.
great company, always helpful!
Harvey D.
I agree, we have been with them for 23 years.
Luci A.
I just wanted to let you know how pleased I am with your excellent service and competitive pricing!
Pamela R.
I have worked with Kathy for about 19 years now. Whatever has been required over the years, she finds the answer. Plus she always remembers me by name right off the bat. Can't say enough good about the service. Highly recommend them.
Sarah C.
I am moving to Vegas and am bummed that Mercury is not there. Donna, I really wish we could stay with you, you have been awesome!
Sue W.
Hi Kathy ... Thank you so much for all your help! You are so wonderful to work with!
Victoria S.
General Insurance Services is a very professional insurance agency that provides information and details on Insurance programs. They are very professional, informative and have a reputation for quick response. They have assisted me in finding the right insurance plans for health, auto, home and business. They have made the subject of insurance very easy for me and I highly recommend this Insurance Agency.
Amanda K.
Just renewed my auto policy again with General Insurance Services, as well as my Health insurance policy for my family and myself. I love the fact that I can call their office anytime and can speak to a human being willing to help me with any questions I have. Super friendly. Always willing to find the best policy at the best price for me. LOVE recommending them to my friends and family.
Jared W.