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Homeowners Insurance |
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Your home is one of the most valuable assets you own. Because of this, you will want a homeowners policy that gives the protection you need at the very best price possible. Major points to consider when buying homeowners insurance are.... |
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Replacement Cost Guarantee |
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Guarantee covers the full cost, less deductible, of repairs to your home in the event of damage. Even if the cost exceeds your policy limits, provided you insure your home for 100% of its replacement value. |
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Full Value Contents |
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If you have a covered loss, such as a destroyed or stolen item, the policy will pay to replace the item up to the limits of the policy. Less the deductible of course. The difference between actual cash value and replacement cost can be significant. |
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Deductibles |
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With a homeowners policy, a deductible applies to the property portion of the policy. A deductible is the amount you would have to pay out of your own pocket before the insurance coverage kicks in. Typical deductibles are $100, $250, $500 or higher and some policies have several deductibles. The higher the deductible you select, the lower your premium payment is.
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Personal Liability |
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Provides coverage for bodily injury or property damage that you are legally responsible for. For example, your dog bites someone, a guest falls down your front stairs, your son throws a ball through your neighbor's window.
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Earthquake & Flood Insurance. |
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| These are separate coverages, each is written on separate policy or endorsement. They are excluded on the standard homeowners and fire insurance policies. For additional information on these products see our "Useful Information" page. |
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For a free quote click here: for California!
Other states click here!
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| Your home is probably the most valuable asset you own so you will want all the coverage you need at the best possible price. Give us a call today to discuss your options. We provide "Service You Can Count On."
800-444-3199 (California only!)
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