Wildfire Smoke Damage Insurance: What Homeowners Should Know
California’s wildfire season can leave homeowners with more questions than answers, especially when it comes to the damage caused by smoke and poor air quality.…
Read more
Homeowners Insurance
Homeowners insurance is a policy that protects your property and its contents from damages, theft, and other losses. It is essential to protect your investment, and homeowners insurance is the way to do it.
What Is Homeowners Insurance, and What Does It Cover?
Homeowners insurance is an insurance policy that covers your property and its contents against damages or loss from a covered peril or risk.
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:
- Dwelling Coverage: This coverage pays to repair or rebuild your home if it gets damaged by a covered peril.
- Personal Property Coverage: This coverage protects the contents of your home if they get damaged, lost, or stolen.
- Liability Coverage: This coverage protects you if someone gets hurt on your property or you accidentally damage someone else’s property.
- Additional Living Expenses Coverage: This coverage pays for your temporary living expenses if your home gets damaged and you need to move out for repairs.
What Is NOT Covered by Homeowners Insurance?
Homeowners insurance does not cover everything, so it is essential to know and understand what a policy does not cover.
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.
How Much Does Homeowners Insurance Cost?
The average cost of homeowners insurance varies depending on several factors, including the value of your home, your location, your insurance company, your chosen coverage limits, and your deductible.
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.
Uniserv Insurance Services: Homeowners Insurance in Southern California
Homeowners insurance is essential for protecting your investment from unforeseen damages and disasters.
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.
Latest News
Cyber Liability Insurance: Why Small Businesses Need It
California’s growing freelancer and tech-startup ecosystem is reshaping how we think about business. While innovation takes center stage, so does the need for robust protection…
Top Life Events That Need an Insurance Review
Life is full of milestones, each bringing significant changes and responsibilities. From getting married to starting a business, these events often require a shift in…
EPLI: Protect Your California Business from Employee Lawsuits
Running a small business in California comes with amazing opportunities, but it also presents unique challenges—especially when it comes to managing employee relationships. From wrongful…
How Inflation Impact on Insurance Premiums
Inflation affects nearly every aspect of daily life, from the price of groceries to the cost of insuring your most valuable assets—your home and vehicle.…
California Contractor Liability & Bonding Insurance Guide
Operating as an independent contractor or a small construction firm in California comes with significant responsibilities. Beyond completing projects on time and within budget, contractors…
Contact Us
Whether you need a free quote or want to discuss your insurance needs, we are here to help. Fill out the contact form on this page and we’ll be in touch shortly.