Are we eligible to receive discounts?
California homeowners are definitely eligible to receive homeowners insurance policy discounts. If your home has safety features such as an alarm system, your eligibility for a discount is greater. Let an e360 Insurance Services insurance agent obtain a free quote for you and see how we can save you money.
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Homeowner’s Insurance 101 : Finding out the worth of your house…
New Homeowners
As a new a homeowner, you may believe that the dollar amount you purchased your house is the same amount you should receive coverage. However, there remain many other details that affect your homeowners insurance policy. Our e360 Insurance Services agents will assist you with understanding the difference of the paid value and the cost of replacement.
One factor, is the actual paid value factors depreciation into the value of your home, while the replacement costs will factor the cost of replacing damaged parts or repairments needed to be made for the home.
Sometimes this may be greater than the depreciated the value of the home. In addition, the objects and valuables in your home should be considered when looking for affordable home insurance offers.
How do I consider the risk factors of my home?
The variety of home insurance coverage you may need will have an affect on the affordability of your insurance policy. e360 Insurance Services agents will ask the relevant questions and find out what you need to be covered in your policy. For example, southern California homes are liable to earthquakes.
You need to know if you should attain additional coverage for this, as well as other aspects of your home that could increase your insurance premium.
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