San Diego Home Insurance

Home Insurance – Simple Facts POSTOVAN

Everybody who owns a home should get insurance on their property, and everyone who has a mortgage on their home MUST get an insurance policy. Home owners policy provides a comprehensive package of residential and personal property protection for today's home owners, covering situations such as: fire, including smoke damage, windstorm, including hail, crimes, including theft and vandalism, accidental major leaks or overflow of water and much more…

Home owners insurance policies are broken into two parts, property protection and liability. The property portion reimburses you for damage to the home and contents. The liability portion of the policy covers medical bills that occur as a result of people being injured on the property. When shopping for homeowners insurance you should get price quotes from at least 3 to 5 companies. Check the rating of any potential insurance company.

Here are important few things to discuss with your agent:

Flood Insurance - one of the most important risk items excluded from most homeowners insurance policies is damage caused by flooding. In some areas that are labeled as being flood zones, the lender will require you to take out an additional flood insurance policy,

Windstorm Insurance - pay careful attention to the "Hurricane and Tornadoes " deductible,

Maintenance - related problems are the homeowners' responsibility.

Hail - most property insurance policies provide coverage for losses resulting from hail. Hail is a named peril, meaning for coverage to apply under a "Named Perils" policy, hail must be defined as a covered peril,

Wildfires - all property insurance policies provide coverage for losses resulting from fires. Depending on the level of exposure, you may need to consider a higher deductible to obtain coverage, or keep it affordable.

Some things can lower your premiums such as: bundle auto and homeowners insurance, smoke detector, alarm systems, fire alarm (centrally monitored), bugler alarm system, distance to fire hydrants, distance to fire station, storm shutters, new home discount (the age of your home matters)…

It is extremely important for you to thoroughly understand your home owners insurance policy. Always read the fine print of your policy. Check your policy carefully for limitations, exclusions and deductibles. For example landscaping, personal property, etc. Unscrupulous insurance companies can take advantage of you here. But again, the responsibility is yours.



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