Whether you rent an apartment downtown or own a house or condo in the hills, your home is more to you than just shelter from the elements; it represents family, comfort and memories that haven’t yet been made. Home insurance doesn’t just protect your property or building structure in case of disaster; it protects what’s inside, too. From family heirlooms to furniture and fixtures, home insurance is an important part of physical asset protection.

Protection for Homeowners

Our state is known for its breathtaking coastline, rolling hills and scenic forests, but California residents are often reminded of how unforgiving Mother Nature can be. In the past year alone, there were an estimated 7,000 earthquakes of various sizes in California. Likewise, 2015 brought millions of dollars in structural damage as fires raged across the state. But Mother Nature is rivaled only by human nature, and a homeowners policy will also safeguard against criminal acts of vandalism and theft as well as some natural disasters.

Vacant Properties and Vacation Homes

Even if your home is vacant pending a sale or rental, you need protection against damage and liability. Remember that a standard homeowners policy won’t necessarily cover flood damage, so you may need a supplementary flood plan. Whether you are a new homeowner in search of insurance for your primary or secondary home or you have a longstanding policy you’d like to have audited for coverage gaps, our agency can help.

Condominiums and Townhomes

Loss due to disaster or crime can happen to anyone, but, if you own a condominium, consider the unique risks. Many lenders require condo or townhouse owners to obtain an HO-6 insurance policy that covers the interior structure of your unit. While your condo association may be responsible for common areas and property exterior, there are limitations.

Protecting Your Personal Possessions

If you are a renter, your landlord’s insurance will cover structural damage caused by vandalism or disasters, but it is not responsible for reimbursing you for any personal possessions lost. While you may not own the home you live in, the contents of your home are just as valuable as anyone else’s. Jewelry, electronics, clothes. . .if you lost everything, would you be able to replace your lost or damaged items?

At Insurance Solutions, we know that your home and your belongings go beyond their dollar value, and, in the event of loss, it’s comforting to know that you’re covered. Contact us for a free quote today by filling out the form on this page or by calling 800-979-8082.

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