Homeowners insurance

Getting the best protection for your home along with the best rates is what we do. Our Policyholders trust in our proven experience we have shown them over the years as we have provided Insurance Protection for each person’s unique needs. No two homes are the same, so we work with our Preferred Insurance Carriers to search out the best for you. Here are some important coverages:

Dwelling: Protects your home’s structure, items like built-in appliances, and wall-to-wall carpet from damage.

Personal liability: If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

Contents: Covers your personal property not attached to or built into your home, such as furniture and clothing.

Loss of use: Pays for additional living expenses if you’re unable to live in your home due to a covered loss.

Other structures: Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage, or gazebo.

Condo Insurance is purchased by the Owner of a Condo. It pays to repair or replace your condo’s fixed additions or alterations. It also covers your belongings if they are stolen or damaged by certain losses, such as fire or vandalism. All that can add up. Here are some important coverages:

Condo Loss Assessments: Pays for assessment fees charged by your Condo Association after a covered loss.

Personal liability: Pays for covered damages or bodily injury if an accident occurs in your home.

Contents: Protects your furniture, clothing, and other items from covered losses.

Loss of use: Reimburses you for additional living expenses when a covered loss prevents you from living in your home.

Medical Payments to others: Covers payment for medical or funeral costs for someone who is injured on your property.

The Townhouse Owner buys the Insurance. It covers the home and any outdoor areas that the owner has the title to. This includes the exterior, interior, and any patio or balcony areas. The policy covers fire damage and some storm damage. Before you can make an informed decision, you should be familiar with the different types of coverage to fit your needs. Here are some important coverages:

Personal liability: Pays for covered damages or bodily injury if an accident occurs in your home.

Contents: Protects your furniture, clothing, and other items from covered losses.

Loss of use: Reimburses you for additional living expenses when a covered loss prevents you from living in your home.

Medical Payments to others: Covers payment for medical or funeral costs for someone who is injured on your property.

Water backup of sewer: Protects your home in the event of sewer or drain backup, which is an unfortunate but common issue faced by homeowners.

Protecting your Mobile Home is important. Your investment can be covered with a Mobile Home Insurance Policy. We understand the Insurance Coverage that will be needed to protect your home, furnishings, and potential coverage needs. We work with Insurance Carriers who have specialized in Insurance for Mobile Homes for many years. Here are some of the coverages you may need:

Personal liability: Pays for covered damages or bodily injury if an accident occurs in your Mobile Home or its property.

Contents: Protects your furnishings such as furniture, clothing, and other items from covered losses.

Medical Payments to others: Covers payment for medical or funeral costs for someone who is injured on your Mobile Home Property.

Hail or Wind Damage: This is important for your Mobile Home. This coverage added to your policy, called comprehensive coverage, provides protection in case of this type of loss.

Renters Insurance is an Insurance Policy that covers theft, water backup damage, certain natural disasters, bodily injuries and more in a rented property. If you rent an apartment, home, or even a dorm, Renters Insurance is recommended. Here are some important coverages:

Personal Liability: Pays for covered damage or bodily injury caused by an accident that occurs in your rented home.

Contents: Helps protect your furniture, clothing, and other items from covered losses.

Loss of use: Provides reimbursement for additional living expenses when a covered loss prevents you from living in your rented home.

Medical payments to others: May help pay for medical or funeral expenses for someone who is injured on your rented property.

Rental Property Insurance, also called Landlord Insurance, covers the unique risks taken in renting out your home or condo for long periods of time. Insurance Policies vary, but most Policies includes Property Damage, Liability costs and Loss of Rental Income for landlords renting their property. Here are some important coverages:

Liability Insurance: If someone is hurt while living in the rental property or visiting it, landlord insurance can help cover that person’s medical costs, legal fees and settlements.

Loss of Income Insurance: If your rental property is damaged by a covered loss, such as a fire or tornado, and the damage keeps you from renting it out, most policies will reimburse you for the income lost during that time.

Property Damage insurance: A landlord policy typically covers any physical damage to the home that’s caused by fire, bad weather, or criminal activity such as a break-in. It also covers any additional buildings, including a shed or detached garage.

An Investment Property is a Real Estate Investment purchased with the intent of earning a return on the money used to purchase the property. The return on the investment can be earned through Rental Income on the property, a gain on the sale of the property, or both. An Insurance Plan is one of the smartest investments you can make for your Investment Property. Creating an Insurance Policy that fits your unique needs is what we do. Here are some important coverages:

Liability Insurance: If a person is hurt while on property, Liability Insurance can help cover that person’s medical costs, legal fees, and settlements if you become legally liable for such.

Property Insurance: Covers losses caused by fire, lightning, wind and hail, or acts of vandalism. Additional coverage can be added for earthquakes and breakage of glass.

Replacement Cost (RC): The amount necessary to repair, replace, or rebuild property on the same premises with comparable materials and quality without deducting any amount for depreciation.

Actual cash value (ACV): The cost to replace with new property of similar style and quality, less depreciation.

Covers damages to property and or its structure caused by earth movement. Most Insurance policies DO NOT INCLUDE Earthquake Coverage, therefore a separate Earthquake Policy is usually written. Rates depend on location and the probability of an earthquake loss. Here are some coverage facts:

With earthquake coverage, your deductible is based on a percentage of your overall policy limit. As an example: if the structure limit of your property is insured to $500,000, and the Earthquake Insurance Deductible amount was 15% of that, your deductible would be $75,000.

This protection covers all direct physical losses or damage to your property caused by an earthquake. Coverage can be provided to both the structure and contents of the structure.

Because the risk in California are great , here are three questions to ask yourself:

• Can you afford the cost to rebuild or repair your home if it is damaged in a major earthquake?
• Can you replace your personal belongings if they are damaged or destroyed?
• Can you pay for temporary housing if there is structural damage that makes your home uninhabitable or a civil authority prevents entry to your neighborhood because of earthquake damage?

You may be surprised to learn that your Property Insurance doesn’t cover flood damage. That’s because Flood Insurance Policies are generally purchased separately through Government Programs. Most Flood Insurance Coverage is offered by the National Flood Insurance Program.

Available to homeowners, condo owners, landlords, business owners, and renters, flood insurance may cover:

• Furniture, clothing, and other belongings
• Certain cleanup expenses
• Damages to your heating and cooling system
• Repair or replacement of flooring

Umbrella Insurance is a type of Personal Liability Insurance that covers claims in excess of regular Personal Insurance. This extra liability Insurance Coverage goes beyond the limits of the Insured’s Homeowners, Auto, Motorcycle, Motorhome & RV, Boats & Watercraft, Off Road Vehicles, and Classic & Antique Car Insurance. It’s important to have sufficient coverage to protect your current assets and future earnings if you’re involved in a serious accident or lawsuit. Otherwise, you could be liable for more than your current Personal Insurance coverage limits.