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KC Wilson Insurance & Financial Services LLC

1654 The Alameda, Suite 210
San Jose, CA 95126

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Auto Coverages That Protect You & Your Passengers

When you want to buy auto coverage in San Jose, CA, you must look for a product that protects you and your passengers. According to KC Wilson Insurance & Financial Services, some insurance products do not cover everything, which means that it is always necessary to be cautious when purchasing auto insurance. However, there are some coverages that one can consider to be on the safe side. 

Liability Insurance Coverage

Liability coverage is the basic minimum for any car that is driving in the United States. It is illegal to drive without this insurance coverage because it offers the necessary protection to the driver, the passengers, and anyone likely to be involved in the accident. One of the most sensitive benefits of having liability coverage is that it helps handle property damages that a car is likely to cause during an accident.

Underinsured and Uninsured Coverage

It is important to highlight that not all motorists on the road have the necessary insurance policies. Some are driving illegally, and it is important to keep in mind that such drivers can cause an accident, and they don’t have anything to offer as liability for such accidents. However, with underinsured or uninsured coverage, you will be able to cover the medical bills that you will incur and those of your passengers. The only problem is that this insurance coverage is optional in some states, explaining why some people leave it altogether.  

Comprehensive Insurance Coverage

Comprehensive insurance covers everything non-accident-related, including theft, fire, and other damages. It will also help in covering the medical expenses or any other financial requirement involving your passengers. However, it is an expensive insurance policy that many drivers do not prefer. 

KC Wilson Insurance & Financial Services encourages auto owners in San Jose, CA to have insurance coverage that extends to their passengers. This is a critical way of protecting friends and loved ones and preventing unnecessary out-of-pocket expenses. Contact us today for more information about this coverage and to get a quote.

Commercial Insurance Considerations in California

KC Wilson Insurance & Financial Services has served the San Jose, CA area long enough to know that a moment of preparation in the form of purchasing quality insurance is worth a million moments trying to restore your home or business after an event. If you are ready to purchase commercial insurance, here are some considerations for California residents.  

  • California state law requires Worker’s Compensation insurance if you have employees. This will protect you, and your employee’s on a most basic level. But this basic legal requirement is often not considered enough. You have many options for upgrades for the perfect policy for all your commercial needs. 
  • If your company has vehicles or employees that drive for the job, then commercial vehicle insurance may be required, and it is certainly recommended to go above and beyond basic automobile insurance coverage. 
  • Additional commercial insurance is easy to purchase and can help ensure that your company, your family, and your employees will have a cushion of support even if there is an event outside of your control. You can choose exactly the level of coverage that you need. 
  • Your location may determine your insurance rates, so consider this if you are buying a warehouse near the water or near other elements that may be a risk to the company’s structure or safety. 
  • If you have a specialty item or a unique risk level, you may want to add umbrella insurance to your commercial policy for additional monetary coverage. 

Contact us at KC Wilson Insurance & Financial Services if you are looking for quality insurance in San Jose, CA. 

Is My Shed Covered By My Home Insurance Policy?

In California, including San Jose, CA, homeowners insurance is broken down into six sections: A-F. These sections cover the main dwelling, other structures, personal property, loss of use, personal liability, and medical payments. At KC Wilson Insurance & Financial Services, we’re here to help you understand the practical implications for you and your homeowner’s insurance policy. If you’re wondering if your homeowner’s insurance policy covers your shed, there’s good news!  

Home Insurance Shed Coverage 

Coverage B—other structures—covers detached structures on your property, such as a shed. This means that your home insurance policy covers your shed. It is important to note that this coverage is typically only 10% of Coverage A’s coverage limit, which is your main dwelling or home. This means if your main dwelling is insured at $250,000, your shed will be insured at $50,000. 

If you build a new shed that was not previously on your property, be sure to alert your policyholder and inquire about the coverage to ensure you have the coverage you need. 

While sheds and other detached structures are covered under most home insurance policies, you may want to purchase additional coverage for these buildings, particularly if they are very valuable. In the coverage limit example given above, it would be a good idea to purchase additional insurance if your shed or other outbuildings are worth more than $50,000. Another option would be to increase the coverage limit for your main dwelling. 

If you live in or around San Jose, CA, contact KC Wilson Insurance & Financial Services to learn more about homeowners insurance. Every policy is different, and we will be able to talk to you about your situation’s best options. 

 

Why relying on life insurance from your employer isn’t adequate

Life insurance is one of the most important types of coverage you can have. It is not something anyone likes to think about, but passing away is one of life’s realities. If it happens unexpectedly when you are young, it can be traumatic in a variety of ways. One of them shouldn’t be how your family will survive the loss of your income. At KC Wilson Insurance & Financial Services in San Jose, CA, we offer full-service insurance planning and financial services. 

Life insurance is part of financial planning. For many people, life insurance is not something they know a lot about or think about. Your employer may provide a policy as part of your benefits package. If this is the only life insurance you have, you may be risking your family’s financial future. When was the last time you checked what the dollar amount is on your policy? Have you considered whether it is enough for your family to live on if you are no longer there? 

It is a great thing to have a life insurance policy from your employer, but what if you change employers? Where does that leave you with insurance coverage? Many policies won’t payout for a year or two after they are issued. If you change jobs often, it is a much better and safer plan to buy your own life insurance. Consider what you get from your employer as a nice supplement. When you purchase your own insurance, you have control over the amount and can choose from many different options. 

Life insurance is too important to leave to chance. At KC Wilson Insurance & Financial Services in San Jose, CA, we can help you develop a financial plan for today and the future. Give us a call to make an appointment to discuss your needs.

Is It Time to Update Your Auto Coverage?

If you haven’t reviewed your auto insurance in a while, now would be a good time to do so. Changes in your lifestyle over the last year may have affected your auto coverage. At KC Wilson Insurance & Financial Services, we recommend our San Jose, CA customers review their policies annually to ensure their coverage is up to date. Here are a few reasons you may need to update your auto coverage.

Marriage

You’ll need to update your auto insurance after marriage if you’re going to add your spouse to your policy. If your new spouse has his or her own car, you can get a multi-car policy to reduce auto insurance costs.

Divorce

If you each own a vehicle titled to your individual names, you may want to obtain separate car insurance policies once your divorce is confirmed. We can help you finalize this process to ensure you maintain accurate coverage.       

Retirement

If retirement changes your driving habits, you may need to update your coverage to compensate for these changes. Some people drive less after requirement and require less coverage. Others drive more due to having more time to travel. If you fall into the latter category, increasing your coverage will ensure you have optimal protection on the road.

Upgrading Your Vehicle   

A vehicle upgrade or the purchase of a new vehicle will probably have a major impact on your auto insurance, especially if you’re buying your vehicle on time. Your lender may require you to have more coverage than you had on your older model to protect their investment.

By discussing lifestyle changes with your KC Wilson Insurance & Financial Services agent, you can ensure you get the coverage best suited for you. To learn more about auto insurance options in San Jose, CA, call or visit us today. 

Do I Need Commercial Insurance in California?

With upwards of 4 million small businesses in California, business owners must protect their investment to ensure their own financial success and the livelihoods of those they employ. To that end, businesses in California must have workers’ compensation insurance regardless of the number of full-time or part-time workers they employ. In short, workers’ compensation insurance helps pay for the medical bills and lost wages associated with an employee being injured or getting ill while on the job. In addition to workers’ compensation insurance, California businesses must also have commercial auto insurance on any company-owned vehicles. Keep in mind that this law only extends to vehicles that are owned by the business, so if your employees are required to use their personal vehicles for work-related functions, then you should strongly consider hired and non-owned auto insurance because the vast majority of personal insurance policies will not cover business use.

Although workers’ compensation and commercial auto insurance are the only two insurance requirements for businesses in California, there are additional policies that can be purchased for your business that help protects various aspects. For instance, cyber liability insurance protects small businesses from the exponential costs stemming from lawsuits, identity protection tools, fines, and much more, resulting from a data breach or hack. Other optional policies include general liability and professional liability insurance, which protect business owners from third party damages and errors or omissions. 

With so many options to choose from, selecting a commercial insurance policy can feel overwhelming. Lucky for you, the friendly and professional team at KC Wilson Insurance & Financial Services in San Jose, CA strives to make the process as easy as possible. Give us a call today to schedule a no-obligation consultation.

Home Insurance: Understanding What’s Really Covered

Buying a home is an exhilarating time, and when you choose a place you love, it’s understandable that you want to protect it. Fortunately, KC Wilson Insurance & Financial Services is available to help you do that. If you’re in or around the San Jose, CA area and you need home insurance, we’re here to make it is easier for you to get the policy you need, and that works for you. You don’t have to settle for a policy that might not give you good coverage or one that doesn’t give you peace of mind. Instead, you can choose something that’s a far better option for your needs.

A good insurance policy for your home protects it in several ways and works toward making sure any kind of claim you might have will be covered, so you don’t have to worry. It’s easy to be concerned about a large asset like a home, but that concern melts away when you know your insurance is offering exactly what you need in the way of a policy with strong protection that you can rely on. Your most important goal when choosing insurance for your home is understanding exactly what’s actually being covered, and we can help with that.

If you’re in or around San Jose, CA, and you need home insurance, reach out to us at KC Wilson Insurance & Financial Services today. We’ll help you find the policy that will work for you and provide the type and level of coverage you’re looking for. You don’t have to deal with sub-par coverage or many unanswered questions when it’s easier for you to work with a company that will make sure you’re getting the protection that you and your home deserve. We’ll be here to make sure you know what’s really covered by the policy you choose.

Why should you buy life insurance early?

Financial experts generally recommend having good saving habits, but insurance experts have a better way of helping you save money–life insurance. Life insurance, whether buying in San Jose, CA or any other area, comes with benefits, especially if you buy it at the right time. KC Wilson Insurance & Financial Services recommends buying life insurance in your 20s or early 30s. Wondering why?  Let’s discuss some of the benefits.

The younger you are, the easier it is to acquire a policy.

When it comes to timing, buying insurance while young is more straightforward than buying when older. Your premiums are lower at a younger age, your health is considered okay, and you have more working years than senior people. That means that your insurance company can invest in your money and get good returns by the time you need it.

The younger you are, the cheaper it becomes

Insurance companies in San Jose, CA are aware that not many young people consider buying life insurance in their youthful years. At this age, the majority of the youth are students still struggling to pay their college debts; others are just settling in their new jobs, while others are starting a new family. All these financial constraints can prevent a young person from buying life insurance.

The younger you are, the healthier you are, hence cheaper rates.

The biggest reason why you should buy insurance at an early age is to make sure you get your policy before you develop a chronic illness. Like any other insurance policy, you never know when something unfortunate will happen. Most chronic diseases and impairments tend to affect older people than young people. If you are found healthy, your life insurance premiums are substantially lower than when older.

Don’t wait till you are too old to buy insurance. The earlier, the better. If you need insurance or financial advice, KC Wilson Insurance & Financial Services is here to answer and provide all the support you need to make informed financial decisions. Try us today!

Shopping for Auto Insurance? Don’t Make These Mistakes

If you drive a car in San Jose, CA, you’re required to have auto insurance coverage. Auto liability is mandatory to pay for damages to others in accidents you cause. Working with a reputable insurer like KC Wilson Insurance & Financial Services will help you avoid costly mistakes in your coverage. Here are some major mistakes you’ll want to avoid when purchasing auto insurance.

Not Shopping Around

Auto policies differ in coverage and costs. Shopping around gives you a better idea of what different insurers have to offer so you can get the best deal in services, coverage, and costs.

Not Getting Enough Coverage

When purchasing auto insurance, it’s important to review your coverage options to ensure you get the protection you need. Otherwise, you may miss essential coverage that saves you money out of pocket. Your coverage should coincide with your lifestyle, driving habits, and the value of your car.

Paying for Unnecessary Coverage

“Generic” auto policies often include the coverage you don’t need but are paying for as part of the policy. By customizing your policy, you can maximize your protection and reduce your premium costs.

Compromising Services for Cost

The lowest-priced policy isn’t necessarily the best, especially if you’re compromising on services and protection to get that low price. It’s better to shop around for quality auto coverage that meets your need at a cost you can afford.

Choosing the Wrong Insurance Company

Insurance companies vary in the services and products they offer. If you choose a company with poor customer service, you may have a hard time collecting on a claim. By selecting a reputable insurer, you can get quality services and coverage, and save yourself time, money, and frustration in the process.

For quality auto insurance coverage in San Jose, CA at reasonable costs, contact KC Wilson Insurance & Financial Services.    

Auto Insurance in California: Things You Need to Know

If you are a car owner from California and you are shopping for auto insurance, there are some things you need to know before getting coverage. 

First of all, according to the Californian law, all vehicles registered in the state must be insured. This means that every car owner, even if with an out-of-state license, must follow the insurance requirements while driving in the state of California. 

The following types of liability coverage are required in California:

  • Bodily Injury Liability – This coverage will protect you if you are involved in a car accident and are liable for an injury or death of other drivers or passengers. The minimum bodily injury coverage in California is $15,000 per person, and the maximum amount per accident is $30,000. 
  • Property Damage Liability – This coverage protects you from paying for the damage of other vehicles involved in a car accident if you are found liable. The minimum property damage liability is $5,000. 

You have to carry proof of insurance whenever you are driving a car.  You need the following information to prove that you have the coverage, the insurance ID card, the name of the policyholder, the start and the end dates of the policy period, and the policy number. You can present electronic documents to prove your coverage as well.

If you are found to be driving in California without auto insurance, your car can be impounded, and your driver’s license – suspended. You can also receive a fine of up to $200 for the first offense and up to $500 – for each subsequent offense within three years. 

If you are shopping for auto insurance in San Jose, CA, KC Wilson & Financial Services will be glad to assist you. We are ready to walk you through this process and find you the best coverage according to your needs and budget. Call KC Wilson & Financial Services in San Jose, CA today to receive more information or get a quote.

Our Partners:

  • Allianz
  • AmTrust
  • ASI
  • Chubb
  • CNA
  • CSE
  • Encompass
  • First American
  • Foremost
  • Great American
  • Guard
  • Hagerty
  • Hanover
  • Hartford
  • Hartford AARP
  • Kemper Preferred
  • Liberty Mutual
  • Mapfre
  • Markel
  • Mercury
  • MetLife