Designed to pay for damages to your home and its contents, or it can protect you from financial liability if you are held responsible because not a member of your household is injured on your property, includes legal defense cost if you are taken to court. For example, of a branch from a tree on your property were to fall on the home next to the one you own, your homeowners insurance would cover your liability for your neighbor’s injury and property damage.
Homeowner’s coverage doesn’t have to be difficult to understand. Typically, a basic California homeowner’s insurance policy will cover the following:
- The structure of your home
- Replacement costs
- Personal possessions (up to a set limit)
- Living expenses in case of a disaster
The needs of every home owner are different and your home insurance policy should reflect that. Our agents will create a homeowner’s insurance policy that will best suit you and your family.
A form of insurance designed to reimburse property owners from loss due to a defined peril of a flood. A flood policy protects you from flood.
Contact us today for more information on our comprehensive homeowner’s insurance policy options.