HOMEOWNERS INSURANCE

California Home Insurance

e360 Insurance Services Insurance agents have the most expansive access to all the top California home insurance companies. We will not only save you money on your homeowners insurance we will save you time looking for the right insurance. Our Insurance agents have experience saving for on current home insurance policies and on policies for new homeowners.

If you don’t have a strong understanding of home insurance, you can call one of our agents and we will take the time to find out exactly what you need – the only & best way to save you money!

After receiving multiple homeowners insurance coverage plans and quotes, you will need to decide which homeowner’s insurance policy will be best for you. Our agents have extensive experience with homeowner’s insurance and will help you decide on the one that will give you the best protection for the best price.

Obtaining homeowners insurance policy at an affordable price will require our agents to inform you about the elements of a homeowners policy and your knowledge of your home’s value and what needs to be covered.

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Homeowners insurance is a financial safeguard against property damage and injury liabilities. Unlike auto insurance, it is legal to own and use a home without purchasing homeowners insurance. However, in order get a mortgage loan, the buyer will have to purchase homeowners insurance.

Homeowners insurance policies vary on the amount of coverage the insurance owner receives. Standard homeowners insurance policies cover structural damage, loss of personal items, liability, and additional living expenses. Structural damage coverage typically does not cover certain disaster damage. Earthquake and flood insurance are almost always purchased separately. Vandalism, theft, and damage caused by fire, smoke, lightning, and hail are usually included in basic homeowners insurance policies.

In the event of a disaster or theft in which personal items within the insured home become lost, homeowners insurance should include up to 70% compensation for these items. It is best to keep an inventory of such possessions stored safely in a location away from the insured home.

Liability coverage refers to legal compensation for third party bodily injury or property damage incurred on the insured premises. This includes court costs and damage awards. Should an insured homeowner be forced to live elsewhere while their home is repaired or rebuilt, the insurance company will cover hotel bills and certain other expenses. This coverage is usually very limited and should be studied carefully by the insured homeowner.