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Home Insurance
Save money on home insurance and keep your home and investment property
protected in case of an fire, flood or other emergency.
What
is Homeowners Insurance?
A homeowners insurance policy
is basically a contract you sign with an insurance company. In exchange
for your monthly premium payment, the insurance company will pay for financial losses
and damages related to your home or your property during the period of the contract.
The insurance company also agrees to pay for damages resulting from
injuries to other people for which you are held legally
responsible. When searching for homeowner's insurance, you should
shop for the type of policy that will fit your specific needs the best, with
adequate protection for your valuable possessions and supplemental
coverage to protect against natural disasters that are not covered in
your basic policy.
Condominium Insurance
Protecting your
home or investment property doesn't have to be expensive. Get free
condominium insurance quotes and save money today. Even if you are a renter.
Flood Insurance
Protect your assets
from the dangers of floods. Get free flood insurance quotes now and
save!
Protect your home, property and investments with
a homeowners insurance policy. Available for renters too!
California auto insurance
California insurance quotes
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Get
Quoted Now!
Free homeowners
insurance quotes from multiple agents and brokers.
Homeowners
Condominium
Renters
Flood
Getting
FREE Quotes from Multiple Homeowners Insurance providers is Simple!
Make sure you are receiving all of the homeowners insurance discounts you deserve. Homeowners insurance discounts are often available for smoke detectors and fire alarms, burglar alarms, non-smoking and households, updates to your home, such as a new roof, electrical, plumbing, or heating system.
For
Homeowners
Insurance quotes, click here.
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Types of Home Insurance
Home insurance can be broken down into 7 basic types of plans. What differentiates them from one another are the types of circumstances they cover. The most popular plans today involve #2 and #3.
Basic homeowners insurance covers 11 types of disasters: aircraft, wind/hail, explosion, riots/civil unrest, fire/lightning, vehicles, volcano eruptions, vandalism, theft, smoke, and self-damaging instances (part of building falls on itself, etc.).
This list can be expanded to include 6 more disasters: falling objects, water damage (3 sub categories), snow/sleet/ice, and electrical surge damage.
1. This is the basic homeowners insurance that covers your home and property against losses due to the 11 disasters listed above.
2. This plan includes #1, in addition to more specific disaster circumstances: snow, falling objects (like trees), water damage (i.e. washing machine overflows, or dishwasher breaks), and electrical damage (power surge).
3. This plan includes extended/specialty items, in addition to all of the above. The only disasters that this doesn't cover are flood, earthquake, war, and nuclear blasts.
4. Renters insurance coverage. This type of insurance will protect your personal property for the above listed items. If you are renting and apartment, house or condo then this is essential protection for your personal possessions at your renters location.
5. Complete risk coverage for the building and property.
6. Condominium coverage. This type of policy covers personal property from the above disasters (all 17).
7. This policy is designed for older homes with historic value. Coverage includes protection from the basic 11 disasters listed above. Under this plan, coverage is limited to repairs or cash values of the items involved. The rebuilding/replacement cost is not covered in this, because some aspects of the home (historic significance) can make these costs higher than current market value.
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