California Home Insurance

What is Home Insurance?

Homeowners Insurance, provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?

It is really all about protecting yourself financially, if something unexpected happens to your home or your possessions. Insurance for your house is important because chances are your home is more than likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair / replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent about what is covered and more importantly what is not.

Here are few things you should discuss with your insurance agent.

• Should i get enough coverage to rebuild my house or just enough to replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
• What home insurance discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
• What's the process for filing and settling a home insurance claim? (Ask who to call and what happens after you file a claim.)

For more information on California homeowner’s insurance, contact Western Republic Insurance Services today! We can offer you numerous options for creating a customized and comprehensive homeowner’s insurance policy. Filling out our free quote form can also help us better understand your insurance needs. A home is important to any family, do not leave yours to chance.