Homeowners Insurance

Homeowners Insurance in Southern California

Home Insurance in Southern California and Beyond
Homeowners in California are well aware of the risks the state poses. While it’s mostly sunshine, California has its own set of dangers that can threaten a family’s home. With the right California homeowners insurance policy, you and your family can rest easily knowing you’re covered in case of disaster.

Saferoad Insurance wants to help you with feeling safe in your own home. As an independent homeowners’ insurance agency, we have access to multiple carriers and will match you with the right policy for your family, so you can find the most affordable home insurance price in your area. 

What Home Insurance Coverage Do You Need?
Homeowner insurance policies are designed to protect not only the home, but you and your family, as well. Coverages that should be available on a basic home insurance policy include:

• Personal General Liability covers accidents that result in a third party’s bodily injury or property damage on the insured property. For example, if a neighbor is over and twists their ankle tripping over your pet, they can sue for their medical bills. General liability insurance helps with the medical expenses, as well as possible legal fees, should you or a family member face a lawsuit. This can also extend to damage and injury caused by pets.
• Dwelling covers the physical home and its attached structures, with coverage for unattached structures available. It covers against damage caused by fire, smoke, lightning, theft, vandalism, wind, hail, and more.
• Personal Property covers the physical belongings in the house in case they are lost or damaged due to any of the covered perils. It typically includes items like furniture, electronics, clothing, and appliances but may exclude certain valuables.
• Additional Living Expenses helps with the cost of temporarily moving while the home is being repaired or rebuilt after a disaster.

In California, homeowners’ insurance policies may need to take other factors into consideration as well. If you live in an area that is prone to floods or earthquakes, you may need additional coverage.

Protect Your Home Today
Homeowners’ insurance is one of the most important insurance policies to have. It’s never too late or too early to get the protection you need for your home and family. Saferoad Insurance agents are ready on the line to help you find a reliable homeowners insurance policy in Southern California to protect what matters most. Call us at 877-945-7233 or fill out an insurance quote to get started today.

Frequently Asked Questions
How Much Home Insurance Do I Need?
It’s recommended that you purchase the total replacement cost value of your home in home insurance. You can calculate this value by adding the worth of your home per square footage, its attached structures, and its amenities. Make sure to also consider the cost of replacing personal belongings and additional coverage for natural disasters if needed.

What Does Home Insurance Cover?
Home insurance covers the physical home, personal belongings, and liability risks. It can cover unattached structures as well, and has limited coverage on items such as jewelry, furs, and art.

Why is Home Insurance Important?
Home insurance is crucial because one disaster can send a homeowner into financial distress. Not everyone can afford to replace a $300,000 home, for example. Home insurance makes sure you have a partner in a disaster, so you don’t have to carry the financial burden by yourself.

How Much is House Insurance on Average?
In California, homeowners’ insurance averages about $1,826 a year.

When Do You Need Home Insurance?
Homeowners should purchase insurance as soon as they take possession of the home. Many lenders also require proof of insurance before finalizing a mortgage.