homeowners insurance quotes for California residents from Your Good Insurance.com
homeowners insurance quotes for California residents from Your Good Insurance.com
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Homeowners Insurance

Click Here For A Free Homeowners Quote

Every homeowner wants to protect the investment in their house. Most of the time when you order your homeowners insurance you might get a suggestion or two about the amount of coverage or on a new purchase your lender will want to make sure you have enough coverage to cover the loan. There are some other things to think about also. Most policies will have 20% - 25 % overage limited cost replacement coverage. That means if anything were to happen they will cover up to 20-25% over your limit under certain conditions. Well we have some of our policies which have up to 50% - 100% over the limit coverage. That is what we call “More insurance for your dollar.” Again you need to check your policy and certain restrictions might apply. However that is a heck of a lot more coverage and in many cases it is not unusual that our premium might be less than you are currently paying. One thing to keep in mind is that earthquake insurance is offered as a separate coverage and is not part of a standard homeowners policy. You can get special endorsements which cover different hazards or offer more coverage for most risks that you might want to cover.

Call 800-889-9242 for a quote or if you want us to do a side by side comparison fax over you dec page to 800-890-1980.

What coverages are there in a Homeowners Policy?? With most carriers there are 4 parts to the basic coverage.

  • 1. The Structure of the House. ( How much you are covered for to rebuild the house).
    You always want to make sure to have enough coverage for rebuilding. During the recent wildfires there were several people who were underinsured for rebuilding the house – that sure causes problems when you go to rebuild.

  • 2. Coverage for your personal belongings.
    Coverage for your personal belongings. This includes furniture, clothes, TV’s, and your personal belongings. Remember on the basic policy there will be smaller limits for jewelry. If you want to insure particular items for more than the coverage that is not problem through what is called a Personal Article Floater.
  • 3. Liability Protection.
    This part of the coverage is designed to protect you against lawsuits for bodily injury or property damage. The liability portion of the coverage for most carriers will cover the cost of defending you in court and any court awards up to the limit of the coverage.
  • 4. Additional Living Expenses.
    When a major loss occurs and you are displaced from your house, this part of the policy pays for the cost of temporarily housing you in another location. Hotel Bills, restaurant meals in excess of what you would have spent, laundry that you have to send out are covered during the rebuilding process.

    Now those are the basics. What do we do that is different?? Our goal is to try for more coverage, wider coverage, or to structure your coverage in a way that the coverages are similar but we can cover you for a more reasonable rate. Why can we do this and other people can’t. Very reasonable question. Many of the carriers employ agents who are called captive agents. What that means is that those agents represent one carrier and are kind of locked into that carrier. The hangup with that is that not all carriers rate the same in the same areas. Some carriers might not want anything to do with brush risks or other hazards and they will charge a higher rate or not even cover houses in certaing areas. Well as an independent agent we can check to see who has the best coverage for your particular area. It gives us a real advantage when placing your insurance.

    Click Here For A Free Homeowners Quote

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