Home insurance
Homeowners insurance
Home insurance will help ease your financial burden by covering the cost of damage to your home and/or property, assisting with rebuilding costs after a major disaster, replacing your personal belongings and other assets, and helping cover costs in a lawsuit over an injury in your home or on your property.
Homeowners insurance will help ease your financial burden by covering the cost of damage to your home and/or your property, assisting with rebuilding costs after a major disaster, replacing your personal belongings and other assets, and helping cover costs in a lawsuit over an injury in your home or on your property.
Every policy is different, but home insurance policies in California typically come with several standard coverages.
Dwelling: This helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.
Other structures: This coverage is intended to help cover structures that aren’t connected to your home, like an ADU, fence, or shed.
Personal property: This can help you repair or replace your personal belongings if they are stolen or damaged.
Loss of use, or additional living expense coverage: This coverage can assist with payment to stay somewhere else if your home is uninhabitable due to covered damage.
Personal liability: This coverage helps pay for accidental property damage or injuries you cause through negligence.
There are also coverages for weather-related or natural events such as: fire, vandalism and theft, lightning strikes, wind, hail, explosions, falling objects, and damage cause the weight of snow and ice. Flood insurance may be available through the National Flood Insurance Program (NFIP). And specialty Earthquake insurance may also be available through the California Earthquake Authority. Contact us to determine your eligibility and to discuss the best options for securing the best coverages for your home.
Home insurance options
Not all home types are created equal - so no two Homeowners policies are alike. We offer diverse and customizable options to extend your coverage and provide maximum protection. And if you have multiple property investments, we have the coverages you need for everything in your portfolio.
Your property investment deserve more than just the basic coverages. That’s why we offer Home Insurance Smart Plans that offer a diverse range of options to custom tailor your level of protection such as: Emergency Mortgage Assistance, Water Backup and Sump Overflow, Extended Replacement Cost, Personal Articles Floaters, Identity Shield, and Declining Deductibles®.
As your Expert Advisors, you can count on us to consider all of the variables and policy options that best meet your needs, while protecting your assets.
What’s the best Home insurance for you?
Not all home types are created equal, that’s we offer diverse insurance options. And if you have multiple property investments, we have the coverages you need for everything in your real estate portfolio.
Vacation home coverages
Your Vacation home is a great property investment, which is why it needs protection like the rest of your financial assets. It's important to note that your standard Homeowners policy will not cover your seasonal home, and not all insurers carry coverages for Vacation homes - but WE do!
We offer a full-suite of policy options with customizable features to ensure your peace of mind.
Having the right insurance can ensure that your vacation property is covered against damages from fire, wind, and other perils. Our second home insurance policies generally include three types of coverage:
Dwelling coverage helps pay for repairs if events like a household fire, lightning, storms or high winds damage your home.
Personal Property coverage helps you replace your furniture, electronics, clothes and other belongings if they’re damaged, destroyed or stolen.
Personal Liability protection helps pay for medical and legal costs if someone is injured or their personal property is damaged and it’s your fault. It can also help with medical bills and time off work if you’re legally responsible for an injury.
You can also customize your coverages to include: Comprehensive Property insurance, and Replacement Cost coverages on personal property.
Homes that are not occupied full-time are considered a higher risk because they are more vulnerable to theft and situations such a broken pipe that can cause major damage if no one is home to notice. Our coverage options will help you feel secure knowing your property is properly insured.
And if you rent out your second home as a short- or long-term rental, you'll need a specific policy for this. If you do not have the correct policy and coverages in place, the claim could be denied and your policy cancelled. This is why it's crucial that we determine your needs, review your existing coverages if you have them, and put the proper coverages in place.
Give us a call to discuss all of the options for protecting your Vacation or Secondary home.
Renovation insurance
If you're looking to renovate or remodel your home, it's important to know how it will affect your Homeowners insurance.
During renovations you need to protect items in your home that aren’t covered with a typical Homeowners insurance policy. Call us before you get started so we can prepare Home Renovation insurance for your property.
If you’re planning a home remodel or renovation your existing Homeowners policy may not provide adequate coverages. While certain improvements may make you eligible for safety discounts, others may require different coverages. We'll make sure you have the proper coverages to protect your investment.
And if you relocate while your renovations are underway, you should purchase Vacant Home insurance. This will help protect your home should any damage occur to it while it's unoccupied. And your contractor should have insurance to protect them, and you while they’re on the job. Prior to starting work on your home (or business), they will need liability, property, and worker’s compensation coverage. Be sure to get copies of each before signing any type of agreement with them.
If you’ve renovated your home’s heating and electrical, or plumbing systems recently, you could earn a rate discount on your Homeowners policy. And if your home was built within the past 9 years, it may be eligible for a special new home discount. For Landlord policies, this is extended to 12 years. Contact us to learn more.
Vacant home coverage
While many insurers won’t cover vacant homes, we offer insurance options and features that can provide coverage for you vacant property while you’re waiting for your home to sell, looking for a tenant, or undergoing renovations.
And head’s up realtors - If your client will be moving out of their home before it closes, leaving it vacant, we'll work to secure Vacant Home coverage.
Mistakes made while purchasing your Home insurance policy can leave you under-insured and prove costly. Your customized Homeowners policy is designed to cover the cost of rebuilding your home, and replacing your personal possessions in the event of a catastrophic loss. Whether you are purchasing a new home, or renewing your existing Home insurance policy, it's crucial that you make the right decisions regarding your policy.
Click HERE to learn about the 10 mistakes you need to avoid.
10 Home Insurance Mistakes to Avoid
Don’t miss out on savings! Contact us to find out if you’re available for Home insurance discounts.
Securing your investments and protecting your home are critically important decisions, but we'd all like to save money without sacrificing quality coverages. Below are Homeowners insurance discounts you may be eligible for:
First responders, members of the military, medical professionals, and other professionals may be eligible for discounts. If you're a teacher, police officer, firefighter, member of the Armed Forces, doctor, nurse, dentist, engineer or other professional, we need to review your policy.
Making your home as safe as possible can help prevent theft. So you may earn discounts if you secure your doors and windows with dead bolts and strong locks. You can also install a security system with an outside signal and connection to local police.
Reducing the risk of fire is important, so installing a fire alarm that automatically alerts the local fire department can make you eligible.
Non-smokers may qualify for lower Homeowners insurance premiums by way of discounts.
Multi-Line discounts are available when you purchase multiple policy lines, so be sure to ask me about pricing on your Auto, Umbrella, Personal Articles Floater, Business, and other coverages.