A standard home insurance policy insures your home’s structure and your belongings in the event of a catastrophe, such as a fire.

In addition, home insurance policies are generally “package policies.” This means that the coverage includes not only damage to your property, but also your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family (including your household pets).

A home insurance policy usually covers four kinds of incidents on the insured property: interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that occurs while on the property.

Home insurance does not cover everything, no matter what your policy limits are. For this reason, it’s a good idea to customize your policy by having additional coverages to suit your specific situation.

Some of the optional add-on coverage is Earthquake insurance, Flood Insurance, Replacement cost plus, Other structures insurance, Personal umbrella liability insurance and many more.

Get in touch with us and we can guide you in choosing the right combination of coverages that suits your needs

4193 Flat Rock Dr Suite 200-office # 289 Riverside, CA 92505

The following are reasons why you should have homeowners insurance.

Owning a home will probably be your biggest investment throughout your life. Your home will probably be your safety net for years to come. Protecting your home with insurance will give you a sense of security.

If something happens to your home’s structure and it is covered by the right insurer, home insurance will cover the cost to rebuild your home.

Home insurance will cover the cost of your belongings in the event of severe damage. Even if you feel like you don’t own that many expensive belongings, small items add up quickly.

Although you would never intend for someone to get hurt on your property, accidents do happen. You can protect yourself from the unexpected with home insurance.

While purchasing home insurance, it is important you map the coverage to different needs you have. Talk to us and we can help you select the right kind of coverage for your needs.