Homeowner policies

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Preferred carriers

• Safeco - Get an instant homeowner quote

Existing customers

• File a claim
• Make a payment
• Change your policy
• Customer service

Related products

• Umbrella policies
• Condo insurance
• Renters insurance
• Wildfire insurance
• Wedding & Special Event insurance

The biggest asset for most people is their home. Lose that, and you will likely lose a big part of your net worth. But even if you rent, you can still easily lose all your belongings in a sudden fire or other disaster. That’s where home insurance and renters insurance comes into play.

What’s covered with home insurance?

Home insurance will protect your property whether it’s a ranch in the country or a condo in the city. It covers the home structure, and its contents as well.

If somebody is injured on you property, home insurance covers liability too. And it can also cover damaged luggage when you’re on a trip or property stolen from your car.

What’s not covered with home insurance?

One thing home insurance doesn’t cover is damage from catastrophes like earthquakes, floods, and hurricanes. If you live in an area vulnerable to a disaster, ask your agent how you to purchase separate insurance to cover this risk.

Why does adequate coverage matter?

Without adequate coverage, a loss may not be totally covered by your insurance. For that reason, you should perform a replacement cost estimate for the dwelling value and a personal property inventory. These and a discussion with your agent can help determine adequate coverage. In addition, look into a policy that increases your coverage limits at the rate of inflation

For the liability portion of your insurance, be sure your limit can protect you and all your assets against a judgment that might occur. Increasing your limits is usually inexpensive and can be offset by a higher deductible. For added coverage, consider an umbrella insurance policy.

What if you rent?

If you’re a renter, you will want insurance to cover the value of your possessions. (The landlord’s insurance only covers the structure – not possessions). You’ll also need renters insurance for liability coverage in case someone is injured in the dwelling you rent.

Because everybody has different needs, it is best to consult your agent to be sure an insurance policy is right for you.

Reasons to buy homeowner insurance from us

• We are consumer friendly.
• We offer immediate comparative home insurance quotes online, by phone, and by chat.
• We’ll help you find low-cost, high-value home insurance policies that fit YOUR needs.
• We offer help that actually helps.
• We offer helpful information on home insurance (not just a sentence like most sites).
• We get you those “hidden” discounts for home insurance.

So no matter where you live,  we have the right home policy for you.  No matter if you live in California, another state, the South Bay, Los Angeles, San Pedro, Torrance, Lomita, Redondo, or even Tim-buck-too,  we have the homeowner products, carriers and exceptional staff to serve you.  Give us a call and find out why so many current clients refer us to friends!

Questions? Ready to buy? Contact us today!