Get Protected with Homeowners Insurance
You want to protect your home in Orange County, which is why you search for the best homeowner’s insurance in Southern California. Have you ever wondered why you need homeowner’s coverage in the first place and what it entails? We’ve got the answers you need to protect your home near Corona, CA.
What is Homeowners Insurance?
Homeowner’s insurance covers your property against losses and damages that might occur. It not only covers the structure of your home but also protects you from accidents on the property. With liability coverage, you won’t have to worry if someone gets injured while visiting your home near Lake Forest, CA.
What Does Homeowners Insurance Cover?
With a homeowner’s insurance policy, you are covered in four ways:
- Exterior damage
- Interior damage
- Loss of assets and personal belongings
- Liability for accidents and injury
Any time a claim is made, you are required to pay the agreed-upon deductible. This out-of-pocket expense goes towards the repair or other claims. For example, if a tree falls and hits the home, causing $20,000 damage, the insurance company pays the bill minus your deductible. The higher your deductible is, the lower your annual premium will be, but this means you must pay out more in the event of a claim.
Each insurance policy also has a liability limit. This is the amount of coverage they will pay for per incident. Most limits are around $100,000, but you can always opt for more. Just keep in mind that altering the limit will also change your premium price.
Homeowner’s insurance policies don’t cover everything. Floods and earthquakes often require additional coverage, so you will want to clarify what you are opting for.
Find the Homeowners Insurance Policy Right for You
What needs do you have when it comes to homeowner’s insurance? Sam Sam the Insurance Man can help you find the right coverage for your property. Sam Klein Insurance Agency has earned a reputation in the community as being honest, reliable and innovative. We’ve become the premier insurance agency in San Clemente, CA because we know how to get the coverage you need at a discount price. Stop by or call us today.