Home Insurance

Superior Home Insurance Protection

Most insurance professionals will tell you that “Your home is your largest single asset; therefore you must protect it with Homeowners insurance”. While this is usually true, think of this protection from a slightly different perspective.

The insurance policy is a contract between you and the insurance company- a two party contract – you and the company. The company’s job is not just to collect $$$ and protect you against the specified “perils” listed in the policy and then pay out $$$ should you have a loss under one of them. The company will make recommendations on how to prevent losses.

This not only helps them avoid paying unnecessary claims, it helps you avoid major inconveniences while repairs are being affected.

Additional Liability Coverage

The major homeowner losses (claims) in San Diego County are from brush and wild fires; fortunately these don’t occur every year. When an insurance company declines to offer new or renewal property insurance coverage due to brush hazard being too close, it is not just to avoid paying a claim. They are trying to tell you something.

The standard homeowner policy protects against specified perils named in the policy. In California the majority of people think of protection against fire damage but fire is only one of multiple perils covered by the policy. Losses or claims paid by insurer’s for damage caused by water damage – not flood damage – and dog liability are also major contributors to claims paid. Earthquake damage is covered by a separate policy, not by the insured’s underlying homeowners policy.