Every year in California, homes are damaged by unpredictable events, like storms and fires. Luckily you have homeowner insurance available to you to cover the loss of or damages to your home. It makes sense to take advantage of this coverage to protect your biggest asset.

We recommend every property owner carry homeowner insurance, even if it is not mandated by their mortgage lender. Think about it: if your home was rendered uninhabitable or had significant damage, would you be able to pay for it out of your own pocket?

You might be surprised at the level of protection homeowner insurance affords you. As well as things like kitchen fires and water damage, a homeowner policy covers things like damage to your roof, theft of property, and vandalism. Everything inside the property is also covered, including furniture, electronics, appliances, clothing, and other personal belongings.

Some policies even pay for the expense of living elsewhere for up to two years if you cannot live in your home while it is being renovated or reconstructed.

There are options for special protection too:

Scheduled coverage

This insurance covers things not normally protected by a homeowner policy for a reasonable fee: jewelry, collectibles, antiques, and artwork.

Earthquake insurance

Living in Southern California means we are at greater risk for earthquakes. It’s easy to add a separate earthquake policy to your homeowner policy to cover this type of emergency.

Flood insurance

While homeowner policies don’t usually cover flood damage, you can purchase a private flood insurance policy to protect your property from things like storm surges.

Umbrella policy

A basic homeowner policy provides limited liability coverage for accidents and injuries on your property. An umbrella policy takes over where your homeowner policy leaves off, offering a higher level of liability coverage, typically up to a million dollars or more. We frequently recommend this additional insurance to homeowners, especially those with large dogs.

To learn more about homeowner insurance in San Diego, reach out to The Insurance Place at 760-643-2100 or use our easy online form to send us a message. Your greatest investment deserves to be protected. Get in touch today and enjoy the peace of mind the right coverage provides.

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