As your home and family grows, so will your home insurance needs.
Whether you’re buying a new home or refinancing your current home, how do you know if you have the kind of security your family really needs? We can provide the homeowner’s policy that will allow you to enjoy those things in life that really matter…your home and family.
There are a number of Homeowner’s Insurance options from which to choose:
- Physical Structure & Personal Belongings
- Extended Replacement Cost
- Additional Living Expenses
- Liability Coverage
- Personal Liability Protection
- Identity Theft Protection
- Additional Personal Property Coverage
Select from the menu below to read more about each type of coverage. Or contact us to find out more.
- Damages from fire, wind damage, smoke damage, and theft among others
- Home repairs and rebuilding
- Replacement of personal belongings
- Provides up to 150% additional on the dwelling policy limits for a covered home rebuild
Additional living expenses
- Living expenses in the event of your home becoming uninhabitable
- Third part injury on your property
- Third party damaged property in your custody
- Pays for bodily injury or property damage caused to others as a result of a covered incident
Identity theft protection
- Pays for your incurred expenses as a result of criminal identity theft
Additional personal property coverage
- Covers valuables such as antiques, fine art, jewelry, collectibles when scheduled on top of your existing policy
Flood insurance, required by law in the city of Long Beach and other southern California areas, is a policy separate from your homeowner’s plan. Flood damage, whether caused by an act of God, a burst fire hydrant in front of your home, or even a malfunctioning water line to your refrigerator in-door dispensing system, can irreparably damage your home and possessions. Make sure you have the proper policy to cover clean-up expenses, replacement of possessions and home repair.
Separate policies, above and beyond your homeowner’s insurance, are required for damage due to earthquakes. Additional protection can pay for home repairs, replacing personal property and living expenses in case of catastrophic damage to your home.
Condo/Townhome Owners Insurance
A typical HOA policy will not insure your personal belongings, additions or alterations to your unit, or provide you with personal liability insurance. By purchasing a separate condo owners policy, you are covering your personal property, areas of your home you have updated or remodeled, physical damage to the property of others when in your care, injury to others on your property, and additional living expenses should the need arise.