HOMEOWNERS INSURANCE

Homeownership is a big deal, and we understand how hard you’ve worked to purchase yours. Your home is typically one of the most valuable assets that you will own, and it’s important that you protect it. Our expert homeowners insurance agents will assist you with building a customized homeowners insurance policy with adequate coverage to meet your unique needs.

FREQUENTLY ASKED QUESTIONS

  • Homeowners insurance policies cover losses resulting from fire, theft, vandalism, and interior water damage.

  • Your homeowners insurance policy does not include coverage for earthquake losses. Separate coverage may be purchased through the California Earthquake Authority.

  • Homeowners insurance premiums are determined by a variety of factors including the home’s characteristics, claim history, and coverage selection.

Protect your most valuable asset.

HOMEOWNERS INSURANCE KEY FEATURES

Rebuild or repair the structure of your home according to current prices of labor & materials.

DWELLING REPLACEMENT

Provide alternative housing if your home is temporarily uninhabitable due to a covered unexpected loss.

LOSS OF USE

Rebuild or repair other permanent structures on your property (e.g. fence, storage shed, pool house).

OTHER STRUCTURES

Provide coverage if a claim or lawsuit is brought against you for damages due to bodily injury or property damage.

PERSONAL LIABILITY

Replace damaged or stolen personal belongings (e.g. furniture, electronics, clothing) at today’s purchase price.

PERSONAL PROPERTY

Cover the cost of medical bills for visitors who are accidentally hurt on your property regardless of who is at fault.

MEDICAL PAYMENTS