Homeowners

Homeowners

Protect Your Biggest Investment

Your home is likely one of the biggest investments you will ever make, which is why we provide full homeowners insurance for people in the Mountain View, CA area. When it comes to your home, you need to keep it covered in case of unexpected events or occurrences. Our privately-owned and family-operated insurance agency will work with you to choose the right homeowners insurance plan for your home. 

FAQs 

What is liability coverage?
Most U.S. homeowners’ insurance policies include some amount of liability coverage in the event of a lawsuit. If the homeowner’s dog bites a guest or an accident occurs on the property, this policy protects the homeowner up to the total amount of coverage he or she holds. Should someone sue, the insurance company will be able to pay out the damages from the lawsuit, thus saving the homeowner money on attorney fees and damages.

Do I have enough coverage?
If you have recently purchased new furniture, upgraded your kitchen, or otherwise made modifications to your home, the answer to the question may be “no.” During your next insurance renewal cycle, sit down and calculate the total worth of the possessions in your home and check to make sure that your homeowners policy’s property coverage meets or exceeds that amount.

Should I cancel my policy?
For most individuals, the answer is “no.” If you still have a mortgage on your property, you may be legally prohibited from cancelling coverage by the bank that holds the lien to your home. The policy also provides essential coverage in the event of a burglary or fire. However, an insurance agent may help you understand your options or allow you to change your coverage from one provider to another in order to save on monthly payments. If you have questions or are looking to switch your insurance policy, call our team today. 

Why is homeowners insurance necessary?
Homeowners insurance provides protection for homeowners in the event of a disaster, such as a fire. When misfortune strikes, homeowners insurance can provide much-needed financial relief that helps with the replacement of lost possessions. What some individuals may not realize is that homeowners insurance can also cover liability compensation in case a guest suffers an injury on the property and files a personal injury claim.

What is the cost of homeowners insurance?
The fees associated with homeowners insurance can vary greatly from one customer to the next. The value of the home largely determines the cost of coverage. The estimated worth of one’s possessions can also influence the price of the premiums. Should a homeowner decide to purchase supplemental coverage, such as earthquake insurance, those costs will be added to the conventional homeowners insurance fees.

How can a homeowner lower their insurance rates?
Homeowners insurance is a necessity for every individual who purchases a home. The key to securing more attractive premium rates for homeowners insurance is consulting an insurance agent. An agent can provide useful information for lower premium costs, including installing smoke alarms and other safety features that reduce the risk of home damage.
Getting Started
Let us help you find the best homeowners insurance policy for your needs at the most affordable rates. For more information about homeowners insurance, please complete our online form or give us a call to speak with one of the knowledgeable agents.

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