California Homeowners Insurance
Protecting San Pedro, Los Angeles, Torrance, and all of California since 1986
Your home is the center of your daily life, and likely your most valuable asset. That’s why, if it were damaged or destroyed by a covered event, you need your claim settled by an insurance company you can rely on when times get tough. Everything — service, price, and coverage — matters when it comes to choosing the right policy for you.
As an independent insurance agency in San Pedro, NHC Insurance Services can help you find the most valuable combination of tailored coverage, quality service and fair pricing for¬†homeowners insurance in California. The right home insurance policy should provide you with peace of mind as well as the money you need to repair or replace your home and/or belongings.
Request a free quote or call us at¬†310-221-0917 for more information today!
More on Homeowners Insurance in California
In general, homeowners insurance is what will help protect you financially if you suffer a loss to your home due to fire, theft, vandalism, or other covered event. What’s more, it will cover you if someone is injured on your property and wins a legal judgment against you.
It’s important to remember that not all homeowners policies are the same. They differ based on which losses are covered, which coverages you choose, and what type of home you own. We can help you choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
NHC specializes in making it easy to choose the insurance coverage that gives you the best value for the best price.
How much does homeowners insurance cost in California
The amount you pay for a homeowners insurance policy in California will depend on several factors, including:
- Your coverages. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
- Your deductible. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
If you are worried you aren’t completely covered, you may want to consider an umbrella insurance policy that extends your coverage.
What does homeowners insurance cover?
You will need to look at every home insurance policy¬†individually¬†to know exactly what its covers. But, in general, most homeowners insurance policies in California provide protection for:
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique – talk to us today to learn more and to find out how you can get the best price and value on homeowners insurance in California.