Homeowners Insurance Quotes California

Dwelling Fire Insurance California

Having trouble finding coverage for rental properties, temporarily vacant dwellings, and seasonal homes? Insurance Sales & Service has the answer! Our dwelling fire policies are specifically designed for homeowners who: need protection for a rental property, own a home that is temporarily vacant, need insurance for a seasonal property we can insure them.

Homeowners Insurance California

We have many fine carriers to handle your homeowner insurance policy. All of our homes are surveyed by an independent company to insure that we place the appropriate value on your home to keep insurance premiums at the lowest possible level.

Manufactured Homes Insurance California

With more than 35 years experience insuring manufactured homes, Insurance Sales & Service provides the quality coverage you can rely on. We offer programs for all types of manufactured homes, for all the following occupancies: Owner-occupied, Rental, Seasonal, Commercial and Tenant.

Vacant Dwellings Insurance California

Many standard carriers consider, a vacant home to be HIGH RISK and price the coverage so that it is not affordable. Their policies may even drop coverage levels if a house is vacant for an extended period. Our DP-1 vacant program covers just what’s needed at a price that matches the need.

Why Homeowners Insurance in CA?

Just like you need to safeguard your automobiles and personal health with a good insurance cover from an established insurance provider, the same way it is imperative that you safeguard your house too. In California region it is all the more important to get good homeowners insurance policy owing to the very unpredictable history when it comes to natural disasters and the crime rate that is escalating by the day. So what are those vital things that prompt you to get a homeowners insurance policy in California and put to rest any worries that might be bugging you out regarding the safety of your home in case some kind of tragedy happens. Well. Let’s first of have a look at some prime reasons why a homeowners policy is so important in California region.

# Reasons to get a homeowners policy:-

• In case you have purchased your home with a mortgage you are most likely required to get a homeowners insurance coverage as the lender would want at all times to make sure that his/her investment in your home is safeguarded in case of some mishap.
• Homeowners insurance policies insure damage coverage in case your home is destroyed in a fire, hurricane, thunderstorms, tornados or probably a theft has left you stranded with heavy losses.
• Homeowners insurance is something that safeguards you against any lawsuits in case someone has been injured on your property or inside your home. It also covers liability for bodily damage to some stranger inside your property as medical bills and the cost of hiring attorney. The homeowners insurance policies give you the option to extend coverage if you have more valuable assets inside your home that need insurance cover.
•  In case your home is damaged to an extend that you have to live outside for a few days or a month perhaps till the damages can be repaired; the homeowners policy also covers the outstanding costs for hotel bills or rent for a house and other expenses such as meals too.

# Types of homeowners insurance policies:-

Generally homeowners insurance policy is divided into two broad categories, namely Part 1 Home Insurance Property Protection and Part 2 Home Insurance Liability Protection. These two broad categories are further divided into sub categories.

1)      Part 1 Home Insurance Property Protection

a)      Dwelling: Covers house, appliances, plumbing, heating, air conditioning systems or electric wiring.

b)      Structures:  Garages, storage sheds, fencing, driveway, sidewalk, patios or retaining walls.

c)       Personal property: items in this kind of coverage policy include firearms, artwork, business property, electronic data, jewelry and money.

d)      Loss of Use: Living expenses in case you have to leave your property for repairs under government orders.

2)      Home Insurance Liability Protection:-

This type of homeowners insurance is divided into two sub categories which covers personal liabilities and medical payments.

a)      Personal liability: This covers any third party claims or lawsuits for damage incurred on your property.

b)      Medical payments: This element of homeowners insurance includes coverage for payment of medical expenses in case you get injured accidently on your property.