You have worked hard to turn your house into a home, and it is likely the most important financial investment you will make. Having the proper insurance for this vital investment ensures your home is protected.

How Does Homeowners Insurance Work?

Accidents can happen at any time, and insurance offers financial protection for your home and everything in it. Home insurance helps protect your home and belongings if there is loss or damage from a covered event, such as a fire.

A standard homeowners insurance policy can help protect you from damage to your home’s structure, including fixtures, plumbing and heating. Many home insurance policies also provide additional living expenses (ALE) coverage. This coverage helps if your home becomes uninhabitable and you need to live elsewhere because of an insured loss. Finally, home insurance policies provide liability coverage, which helps protect against claims of third-party bodily injury or property damage that occur on your property or that you or other covered individuals cause.

What Does Home Insurance Cost?

The price of a home insurance policy depends on various factors, including:

·        The amount of coverage you want.

·        Your deductible.

·        Your home’s worth and the cost to rebuild it.

·        Your home’s age and condition.

·        Your home’s security and safety features.

·        Where you live.

·        Your credit history.

·        Additional insurance you want to add.

Is Additional Insurance Beneficial?

Houses can sustain various types of damage or loss, such as that caused by an earthquake or other natural disaster. You may want to purchase flood insurance or earthquake insurance since home insurance doesn’t provide coverage for these events.

In addition, many home insurance policies don’t cover issues such as termite and insect damage, rodents or mold. Also, you may want coverage if you have luxury belongings or high-risk items, such as a swimming pool or trampoline. Hart Insurance Center Inc. can help you with insurance coverage for the needs of your home and belongings.

Get the Insurance You Need

Hart Insurance Center provides insurance for residents in Brawley, El Centro, Imperial, Calexico, Holtville and Heber, California. We offer flexible and affordable coverage options, and we can work with you to find a policy that best suits your needs. Call the Brawley team at 760-344-1400 or our El Centro group at 760-352-0422 to keep your home and possessions secure.