Homeowners Insurance in California

Homeowners insurance covers you financially from any damage that might befall your property, such as fire, vandalism, or theft. Purchasing homeowners insurance is mandatory if you want to take out a mortgage on your property as most lenders want to ensure that your property is protected by insurance.

Homeowners Insurance Coverage We Offer

The different types of financial loss protection usually offered by homeowners insurance in California are:

• Personal Property – Personal property coverage covers all your belongings inside your home, from electronic goods and furniture to jewelry and clothing.
• Dwelling coverage – This coverage protects you from losses caused by damage to your property’s physical structure like the walls, roofs, windows, and so on.
• Personal liability coverage – Personal liability coverage covers your finances when a person sues you for bodily harm or injury caused by, or within, your property. For example, if a window pane of your home falls on a person and injures them, this coverage covers the medical expenses for that person.
• Loss of Use Insurance – This part of the homeowners insurance pays for your living expenses when your home becomes uninhabitable for a claimable reason.
• Medical expense payments – A low-limit coverage, the medical expense covers small injuries that might happen to your guests when they visit your property.