For most of us, our home is the single largest investment we will make and perhaps the most important aspect of the American dream. So, it is imperative that you are adequately protected against any damages to your home.
Homeowners insurance provides protection against damage to your home and other structures on your property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for almost any type of damages except for a few common exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.
Condominium owners are covered for accidental damage to improvements you make in your unit for which your association’s policy does not provide coverage, subject to your condo insurance policy limits. Homeowners, condominium, or renters insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, Computer and CD player aren’t worth a lot, but those items all add up when you have to replace them.
Finally, in the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium or renter policy provides liability coverage and personal property insurance should this ever occur.
Without insurance, you will be responsible for protecting your property, possessions and liability exposure.
For instance, if your house burns down or is destroyed by a tornado, you’ll need to rebuild your home and replace all your damaged possessions with only the funds you have or can obtain. Do you usually have $500,000 readily available in case something like this happens? If so, could you be putting that money to better use instead of having it sit there just in case something happens?
Something else to consider: if someone is injured on your property, they may sue you for injuries and damages they sustain which may be well beyond $1,000,000. Without insurance, you may have to liquidate your assets and even lose a portion of your wages if you need to pay for a judgment.
All Solutions Insurance has been safeguarding your home against unanticipated perils since 1994 by providing lower rates and superior service with our pallet of insurance policies for all your needs. Our knowledgeable Homeowner Insurance experts communicate with you, understand your unique insurance requirements, customize your policy to ensure optimum protection and then shop from more than 30 reputed insurers to offer the best possible rates so you cave money.
Talk to one of our Home Insurance experts and let us take care of your risks. You can call us at 951-247-2003, or click here to chat with us.
Your home and risk profile is unique and deserves something better than just a generic insurance policy. All Solutions Insurance policies are customized with homeowners like you in mind, offering unique customized insurance policies to ensure adequate protection against life’s uncertainties. We shop from over 30 reputable insurance companies and offer personalized Home Owner’s Insurance policies to cover your house, personal property and separate structures (such as a detached garage) from many of the everyday risks you face as a homeowner.
Questions? Comments? Call us today for a free rate quote at 951-247-2003 or chat with our Home Owner Insurance expert by clicking here.
For more general information regarding insurance, call:
Moreno Valley Office at (951) 247-2003 or San Jose Office at (408) 225-4300
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