Homeowners Insurance
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.
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92101 San Diego Homeowners insurance
92102 San Diego Homeowners Insurance
92103 San Diego Home Insurance
92104 San Diego Home Insurance
92105 San Diego Homeowners Insurance
92106 San Diego Home Insurance
92107 San Diego Auto insurance
92108 San Diego hill areas more brush
92109 San Diego Mission
92110 Diego 92111 San Diego 92112
92113 San Diego homeowners
92114 San Diego Apartment Owners
92115 San Diego High Value Home
92116 San Diego Dwelling
92117 Sand Diego Dwelling Insurance
92118 Coronado High Value Home Insurance
92119 San Diego Auto Insurance
92120 San Diego Home Insurance
92121 San Diego Property Insurance
92122 San Diego Property Insurance
92123 San Diego Wedding Insurance
92124 San Diego Wedding Insurance
92126 San Diego Homeowners Insurance
92127 San Diego Brushfires
92128 San Diego Brushfires
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92131 San Diego Brushfires
92132 92133 92134 San Diego home insurance
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91901 Alpine Homeowners Insurance
91902 Bonita Homeowners Insurance
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91905 Boulevard Auto Insurance
91906 Campo Accurate Homeowners Insurance
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91909 Chula Vista homeowners 91910 Chula Vista Homeowners Insurance
91911 Chula Vista Low Cost Dwelling
91912 Chula Vista Apartment Owners Insurance
91913 Chula Vista Accurate Homeowners Insurance
91914 Chula Vista Low Cost Auto Insurance
91915 Chula Vista homeowners median $426
91916 Descanso homeowners median n/a
91917 Dulzuras San Diego Brushfires
91921 Chula Vista Home Insurance
92075 Solana Beach homeowners median $1,372
92078 San Marcos homeowners median $533
92079 San Marcos homeowners median San Diego
92081 Vista homeowners median $413
92082 Valley Center San Diego Brushfires
92083 Vista homeowners median $303
92084 Vista homeowners median $367
92085 Vista homeowners median San Diego
92086 Warner Springs homeowners median $418
92088 Fallbrook homeowners median San Diego
92090 El Cajon homeowners median San Diego
91931 Guatay homeowners median San Diego
91932 Imperial Beach homeowners median $375
91933 Imperial Beach homeowners San Diego
91934 Jucumba homeowners median $57
91935 Jamul San Diego Brushfires
91941 91942 91943 91944 La Mesa Home Insurance
91945 Low Cost Home Insurance
91946 Lemon Grove Value Home Insurance
91947 Lincoln Acres home value Insurance
91948 Mount Laguna Low Cost Auto Insurance
91950 National City Low Cost Dwelling Insurance
92060 Palomar Mountain Home Fire Insurance
91962 Pine Valley Log Cabin Insurance
91963 Potrero Home San Diego Brush Fires
91976 91977 91978 91979 Spring Valley Flood Insurance
91980 Tecate Lot Insurance
91987 Tecate home Lot Insurance
91990 Potrero Wedding Insurance
92003 Bonsall Good Value Home Insurance
92004 Borrego Springs Apartment Owners Insurance
92007 Cardiff by the Sea High Value Home Insurance
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92008 Carlsbad San Diego Brushfires
92009 Carlsbad High Value Home Insurance
92010 Carlsbad home value median $599
92011 Carlsbad High Value Home Insurance
92013 Carlsbad home value median San Diego
92014 Del Mar High Value Home Insurance
92018 Carlsbad homeowners median San Diego
92019 El Cajon Low Cost Dwelling Insurance
92164 SAN DIEGO Home Insurance
92165 San Diego Auto Insurance
92166 San Diego Dwelling Insurance
92167 San Diego Personal Article Floaters
92168 92169 92170 Low Cost Homeowners
92171 San Diego
92172 San Diego Auto Insurance
92173 San Ysidro Low Cost Auto Insurance
92174 San Diego Low Cost Homeowners Insurance
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92178 Coronado High Value Home Insurance
92179 San Diego Low Cost Homeowners
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92194 San Diego Renters Insurance
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92199 San Diego Low Cost Home Insurance
92084 Vista homeowners median $367
92085 Vista homeowners median San Diego
92086 Warner Springs homeowners median $418
92072 Santee homeowners median San Diego
92074 Poway homeowners median San Diego
92024 Encinitas High Value Home Insurance
92025 Escondidio San Diego Brushfires
92026 Escondido San Diego Brushfires
92027 Escondido San Diego Brush Fires
92028 Fallbrook San Diego Brushfires
92029 Escondido San Diego Brushfires
92030 Escondido Low Cost Home Insurance
92033 Escondido Low Cost Renters Insurance
92036 Julian Home Insurance
92037 La Jolla High Value Home Insurance
92038 La Jolla High Value Home Insurance
92039 La Jolla High Value Homeowners Insurance
92040 Lakeside Low Cost Dwelling Insurance
92046 Low Cost Auto Insurance
92049 92051 92054 Low Cost Home Insurance
92052 Oceanside homeowners median San Diego
92054 Oceanside homeowners median $491
92055 Camp Pendelton homeowners median San Deigo
92056 Oceanside homeowners median $375
92057 Oceanside homeowners median $343
92059 Pala homeowners median San Diego
92060 Palomar Mountain San Diego Brushfires
92061 Pauma Valley San Diego Brushfires
92064 Poway San Diego Brushfires
92065 Ramona San Diego Brushfires
92066 Ranchita homeowners median $N/A
92067 Rancho Sante San Diego Brushfires
92068 San Luis Ray homeowners median San Diego
92069 San Marcos homeowners median $381
92070 Santa Ysebel homeowners median $N/A
92071 Santee homeowners median $366
92072 Santee homeowners median San Diego
92074 Poway homeowners median San Diego
92075 Solana Beach homeowners median $1,372
92078 San Marcos homeowners median $533
92079 San Marcos homeowners median San Diego
92081 Vista homeowners median $413
92082 Valley Center San Diego Brushfires
92083 Vista homeowners median $303
92084 Vista homeowners median $367
92085 Vista homeowners median San Diego
92086 Warner Springs homeowners median $418
92088 Fallbrook homeowners median San Diego
92090 El Cajon homeowners median San Diego
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