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Southern
California
Homeowners Insurance
We offer the best condo,
homeowners and renters insurance in California by giving
you access to several quality companies. We also specialize
in southern California insurance.
To better understand the
different facets and options that insurance provides,
please read the information we have provided on this page.
Against
which perils is my property protected? With
about 900 insurance companies writing property/casualty
policies in the United States, individual homeowners
policies vary. However, 80 percent of homeowners
policies are based on a standard form, and all homeowners
policies cover two important areas: property and
liability. At a
minimum, homeowners insurance usually covers damage caused
by:
- Fire or lightning
- Windstorm or hail
- Explosions
- Riot or civil commotion
- Aircraft
- Vehicles
- Smoke
- Theft or vandalism
(sometimes called malicious mischief
- Falling Objects
- Weight of ice, snow or
sleet
- Freezing of a plumbing,
heating, air conditioning or other such household
systems
I'm a
renter.
Do I need insurance coverage?
Yes! The
same rule of thumb that applies to homeowners applies to
renters. If catastrophe struck tomorrow could you
afford to replace everything you own? Or if you were
sued, would you have enough money to pay legal fees and
possibly settle the suit? If not, chances are you
would benefit from the protection that renters insurance
brings.
I
own a condo.
How is my policy different?
Condo owners insurance covers
the same general areas provided for homeowners in the
important areas of personal property and liability. In
addition, condo owners insurance provides coverage for some
situations specific to condominium unit owners. Usually,
the condominium association buys insurance to cover the
property (building and structures) and liability coverage
for the general association. If you own a condominium
unit, you may be responsible for covering your unit from the
"walls in." That means you must cover your
personal property and the interior of your unit --
essentially whatever is excluded from the condo associations
policy.
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