Losing one’s home is a scenario that no one ever wants to imagine. Aside from the fact that your home may be one of your biggest assets, it’s also the place where you started a family, raised your kids, and created many memories. Therefore, it makes sense to be prepared for the unexpected and protect your home from any type of damage or disaster.
Homeowner insurance can make a significant difference when it comes to protecting your home.
As a California resident, you would know that certain calamities like wildfires, flooding, earthquakes, and rainstorms can cause significant damage to homes in affected areas. But if you have homeowner insurance, you can protect your house, its contents, and other structures in your property.
Beyond Protecting Your Home
A typical homeowner’s insurance policy in California includes coverage for the repair or replacement of your home and its contents when damaged or destroyed by wildfire, smoke, theft, vandalism, strong winds, hailstorms, and other extreme weather conditions. Coverage for earthquakes and flooding is optional, as well as identity theft protection and valuable possessions coverage.
Moreover, a homeowner’s insurance typically covers living expenses when you need temporary lodging while your home is under repair. Aside from this, cover extends to heating and cooling systems, kitchen appliances, furniture, clothing, and other possessions. It also includes medical and liability coverage if any guests or visitors are injured on your property.
Outbuildings like a garage or shed, outdoor fireplaces, fences, walls, and other permanent fixtures or structures are also usually covered. Recreational equipment, such as a swimming pool, may be covered. But this also requires additional liability coverage, as such structures are considered inherently risky.
However, it’s important to always be clear about what exactly is stated in your policy. To ensure you are getting the protection you want for your home, discuss your needs with your insurer, ask for clarifications if anything is unclear, and read the fine print before signing anything.
Protection That’s Tailored to Your Needs
To determine the type of home insurance cover you need, make a detailed list or inventory of all your valuables and other possessions. Document these by taking photos or a video that you can use to get homeowner insurance that’s tailored to your needs.
You can also keep the documentation afterward in a safe place and use it for later, such as when you need to make a claim. Just remember that if you need additional coverage and higher limits in keeping with your requirements, all you need to do is discuss it with your insurer.
If you’re thinking of getting homeowner insurance or adding more cover, please call Crescenta Valley Insurance at 818-248-4500.
We’ll assist you in identifying the right insurance package tailored to your situation and needs.