Whether it is referred to as Fire Insurance, Dwelling Insurance, Home Insurance, or Homeowners Insurance, home insurance is one of the most misunderstood insurance policies. The insurance to cover your home has changed over the years to expand what is covered and also to clarify what the policy excludes. Our protection team will sit down with you to help review your current coverage, understand your coverages, and match you up with the best coverage for your insurance dollar.
To be very clear, the ultimate purpose of homeowners insurance is to enable the homeowner to rebuild his or her home and life, after a total loss.
A good homeowners insurance policy will cover:
- Your Home
- Any detached buildings or structures, like garages, tool sheds, or fences.
- Your personal property both in the home and outside the home.
- Additional living expenses in the event of a loss
- Personal liability
- Medical expenses to others who may be injured on your property
Our Livermore Insurance Protection Team will provide you with a comprehensive review of your situation. We will then match you up with the best program to provide you the coverage you need to put your life back in order after a catastrophic loss. We will also help you find the best discounts and coverage for your insurance dollar.
Not all home insurance policies are alike. To be sure, there are many insurance companies in the market today that will quote an inexpensive policy but most of them are only giving you the “bare bones” coverage. When quoting your home insurance policy we will use full reconstruction cost valuation so that you know you can replace your home in the event of a total loss.
Certain items such as Floods, Earthquakes, and landslides are typically not covered by a California Homeowners Insurance Policy. We will help you understand what is covered and what is not covered. We will also help you understand your options to plug those coverage gaps.
Items like Coins, Firearms, and Jewelry, to name a few, can have limits on how much is covered in the event of theft or loss. Again our Insurance Protection Team will help you understand how California Fire Insurance policies work and how to inexpensively address these coverage gaps.
Their are many discounts available including, New Home Discount, Alarm Systems, and Safety Features like earthquake shutoff valves. In addition we help each of our clients understand how deductibles can affect their California Homeowners Insurance premiums, taken on a little more risk can save you Hundreds or even Thousands of dollars.
As you can see, our protection team understands the way home insurance works. We routinely save our Livermore clients 37% or more on their Homeowners Insurance. Let us help you understand your coverage, shop for the best coverage, and lower your insurance premiums.