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Rogelio Gonzalez, CRPC®, CSRIC™
Financial Planner
Prudential Advisors
Pacific Northwest Financial Group
1700 SE Mile Hill Drive, Suite 264
Port Orchard, WA 98366
Phone: 360-919-4271
Email: rogelio.gonzalez@prudential.com
Website: www.prudential.com/advisor/rogelio-gonzalez
November/December 2026
Is Your Castle Truly Protected?
Your home is your castle, and it's important to protect its value and comfort. Many people unknowingly underinsure their property because they don't fully understand their homeowner's insurance coverage. The transition between the end of the year and the new year is an ideal time to review your insurance needs with a trusted professional. Here's essential information to consider before doing so.
For Any Homeowner
Homeowners' policies typically don't cover damage from natural disasters such as floods, landslides, sinkholes, and earthquakes. You can obtain flood insurance through the National Flood Insurance Program or a private insurer. Additional insurance is also recommended if you live in an earthquake-prone area or are at risk of landslides or sinkholes.For High-Net-Worth Individuals
First, make sure your property is covered for 100% of the replacement value of your residence and all outbuildings on the property, such as a guest house, hobby studio, greenhouse, pool house, stable, and so on. This coverage should automatically increase annually to reflect inflation in your home's value. Also, carry damage and liability insurance for any pool on your property and coverage for any animals stabled.Expensive jewelry, collections such as art, cars, and antiques, and costly hobby equipment (for cars, woodworking, and other crafts) generally require additional coverage. To insure these items for full value, you should have jewelry and collections professionally appraised and keep purchase receipts for all items. A personal property endorsement or floater to supplement your homeowners' insurance is needed for adequate protection. Rates vary among insurers.
Home Offices and Equipment
Standard homeowners' insurance is unlikely to provide adequate coverage for your home office or other business-related activities. According to the Insurance Information Institute, a typical homeowners' policy provides only about $2,500 in coverage for business equipment. In addition, such policies often provide no liability coverage for business-related activities, including client meetings.If you operate a home office or run a small business from home, you'll need insurance that fills coverage gaps in your standard policy. For professionals who maintain a secondary home office—contractors, attorneys, accountants, real estate agents, writers/editors, and bookkeepers—consider adding a permitted incidental occupancies rider to your homeowner's policy. If you have a primary home office, you'll need to upgrade to a home business endorsement. This endorsement covers various home-based business activities while falling short of a more costly full business policy.
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Rogelio Gonzalez is a Financial Planner with and offers securities and investment advisory services offered through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC
, and an affiliate of LPL Financial.
"Prudential Advisors" is a brand name for the propriety retail sales channgel of The Prudential Insurance Company of America ("PICA") and its insurance company and other affiliates (collectively "Prudential"). Prudential Advisors financial professionals are licensed insurance agents of Prudential.
Pursuant to a strategic relationship among Prudential, LPLE, and LPL Financial, Prudential Advisors financial professionals provide securities brokerage services and/or investment advice on securities solely as registered persons of LPLE, an affiliate of LPL Financial. These financial professionals are permitted to brand under "Prudential Advisors". LPLE and LPL Financial are not affiliated with Prudential.
Prudential Advisors, Prudential, and the Pacific Northwest Financial Group are not registered as a broker-dealer or investment advisor.
The LPL Enterprise registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. LPL Enterprise Form CRS.
Pacific Northwest Financial Group and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.