Homeowners Insurance in California: What’s Covered
Homeowners insurance helps provide financial protection for your home and personal belongings. You have a home, and you have insurance. Then, you have flood waters rush in and you find out you don’t have the coverage you assumed you did. Oh no! A bad day is made into a true disaster when you find out your California homeowner’s insurance doesn’t cover what you need it to. If this has already happened to you, make it the last time it does. Take your time today and learn more about homeowners insurance, including what it actually covers.
California homeowners insurance typically helps cover:
- Your dwelling
- Other structures on your property
- Personal property
- Liability for injuries or damage to someone else’s property
Let’s look at all of these broken down into detail a bit more:
Dwelling: One of the basic coverages of all homeowners insurance policies is dwelling protection. This helps cover the structure of the home in which you live, like the house’s roof, foundation, and walls. It also covers other structures that are attached to the home, such as a garage, back patio, porch, or a deck.
Other structures: You may have structures on your property that are not attached to the home itself. This could be a detached garage, tool shed, or fence. Most homeowners insurance policies also include coverage for these other structures that are on your property but separate from your house.
Personal property: Homeowners insurance doesn’t just help cover damage to your house; it covers what is inside as well. The personal belongings you keep within it, like electronics or jewelry, are very valuable. Be sure to look at the details of your policy to ensure you have enough coverage for these luxury items. Many homeowners insurance agencies offer optional coverages that may further help protect the expensive items you own. You may want to purchase extended coverage for items like a big-screen tv, jewelry, watches, and furs that have values above your basic personal property coverage limits.
Liability: Your policy also provides liability coverage when someone not living with you is injured while on your property. This would be an occasion where a visitor trips over your broken porchfront step. Bodily injury liability coverage may help pay for your resulting legal expenses or the visitor’s associated medical bills.
It is important to note that these are what are included in a basic policy, but you are able to purchase additional coverages for greater protection. Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it’s important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance. If your fur is stolen, it is covered but if your fur is ruined in a flood, it is not. This can be confusing! Reach out to your insurance agency and inquire about purchasing additional coverage to help protect your home and belongings against additional risks.
If you have any further questions or now realize that you need a new insurance policy, reach out to the friendly professionals at Pronto Insurance. We offer homeowners insurance to people in California just like you. It doesn’t have to be costly in order to provide the coverage you need. Get a quote and let us prove that to you!