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.
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.
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.
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.
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.
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!
Learn the essentials in
Home Insurance Basics
Find the right coverage in
Home Coverage Options
Save money with our
Home Savings Guide
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Torrance, CA 90505
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