The city of Hawthorne, California, was the birthplace of Brian, Carl and Dennis Wilson of the Beach Boys, whose inventive harmonies helped introduce the Southern California surfing culture to the U.S. and the world. Although shopping around for Hawthorne insurance quotes for your home or your car won't be like spending a day at the beach, it is an important part of finding the best coverages. To help you feel a little mellower about the process, here are some ideas about what to look for when you're comparing policies from different insurance companies.
Hawthorne Insurance: Coverages and Costs
When you're considering the amount of the Hawthorne insurance coverage for your home that you'll need, remember that you need to take into account the value of your personal property as well. Some policies limit their coverage of items such as antiques, furs and jewelry, so you may want insure these items separately.
Standard homeowner's policies do not cover damages from floods, earthquakes or even sewer backups. If you want protection against such losses, you'll have to purchase additional coverage.
When you're looking for Hawthorne insurance quotes for your automobile, you'll find two types of policies that are offered in the state. If you want only the minimum coverage required by state law, you can go with a basic liability policy, which has policy limits of $15,000 per person/$30,000 per accident bodily injury liability and $5,000 in property damage liability. For more financial protection, you may want to go with a standard policy. Although it is more expensive to purchase, you get better coverage: higher liability limits plus comprehensive, collision, insured and uninsured motorist coverages.
If you're wondering how much you could save by shopping around for insurance quotes, consider this: the premium you'd pay on a $300,000, 10-year old home in Hawthorne could range from around $650 to more than $1700, according to a recent survey by the California Department of Insurance.
An 18-year old, single man with one traffic violation and one accident looking for Hawthorne insurance for an automobile could pay anywhere from $850 to more than $3,000 in annual premiums, according to the California figures.
Get Help with Your Hawthorne insurance
In the Beach Boys' hit Help Me, Rhonda, the singer asked the girl to assist him in getting over his broken heart. If you need assistance finding good insurance quotes, you only need to log onto your computer. Surf online to NetQuote.com, fill out just one questionnaire for your homeowner's or your auto policy and you'll be riding high with Hawthorne insurance quotes from five or more of the top insurers in the area. It's a fast and efficient way to comparison shop and to save time in the process-time that you can better spend enjoying the music of Hawthorne's famous native sons.