Homeowners Insurance
Homeowners Insurance – Los Angeles, California
Many people think of home insurance as an inconvenience. It might feel that way, but only until you need it. When it comes to protecting your home, it is not just about protecting against structural damage or theft, it is just as much about feeling safe in where you live. If something happens, your main focus should be on reclaiming your sense of balance. The last thing you should worry about is money.
One of the most important things to understand from the very start is how much insurance you will need. Homeowners insurance, also known as hazard insurance, protects the financial risks of owning a home by covering damage to your property and belongings, as well as liability for injuries to others or damage to their property.
Property Damage:
Covers damage to your home and belongings from a variety of perils, including fire, lightning, windstorms, hail, theft, vandalism, explosions, and more
Liability: Covers costs if you or a family member accidentally damages another person’s property or if a visitor is injured at your home
Additional Living Expenses: Covers costs if your home becomes uninhabitable and you need to find alternate lodging, such as a hotel or Airbnb
Personal Belongings: Covers the cost to repair or replace your personal belongings, such as furniture, clothing, and electronics
There are many risk factors that can raise the cost of your home insurance premium. But there are also many factors that can save you money on your policy, too. This is important to know so that you get all the discounts available.
Other discounts might include:
- A home burglary alarm system
- Dead bolt locks
- Fire alarms and sprinklers
- Updated heating systems
- Updated wiring and electrical system for the home
- A home burglary alarm system
- A home near a fire hydrant or fire department
