Covered perils may include fire, hail, wind, lightning, theft, vandalism, and accidental damage.
Homeowners insurance also provides liability coverage that covers you if someone hurts themselves on your property or if you accidentally damage someone else’s property.
Insurance coverage for your home is classified into four categories:
Homeowners insurance typically does not cover damage or loss caused by flood, earthquake, and wear and tear.
Additionally, homeowners insurance does not cover damages caused by negligence or intentional acts.
When choosing a homeowners insurance policy, it is crucial to shop around and compare rates.
Ensure that you get adequate coverage that meets your needs and consider purchasing additional riders or coverage for items not covered by your base policy.
While homeowners insurance may not cover everything, it is a crucial component of your peace of mind.
If you are looking to purchase homeowners insurance, contact Uniserv Insurance Services today. We can help you make an informed decision that provides adequate protection and value for your money.
Running a home-based business offers flexibility, independence, and the comfort of working where you live. However, this convenience often comes with unexpected challenges, especially when…
The construction industry in California is booming, but it’s not without challenges. Contractors face unique risks every day, from legal disputes to project delays. As…
Climate change is no longer a distant threat—its impacts are reshaping industries in unprecedented ways, and the insurance market in California is no exception. With…
Data breaches have become a daily headline, impacting countless businesses across industries. For California business owners, the stakes are especially high, given the stringent data…
Auto insurance is evolving, and Californians have an opportunity to benefit from the changes. Usage-based insurance (UBI) is transforming traditional policies by offering a more…
California is one of the most dynamic states for businesses, offering limitless opportunities for growth. However, with these opportunities come unique challenges, particularly in managing…
