Whether you are a first time home buyer, or a seasoned real estate veteran, it is important to make sure your investments are protected. Having the right El Cajon home insurance safeguards your most valuable investment against damages such as fire, vandalism, theft or weather damage. For decades, The Insurance Store has been helping folks in El Cajon with their home insurance needs.
Covered by El Cajon Home Insurance
When it’s time to shop for your El Cajon homeowners insurance, it is important to know what is covered. In the state of California, a typical home insurance policy usually covers the following:
- The physical structure – Should the house burn down or if its damaged by fallen tree in a wind storm.
- Replacement costs for personal items and belongings in the home.
- Living expenses in case you are forced out of the home due to a covered loss.
- Liability protection in case someone injures themselves while at your premises.
Remember that floods and earthquakes are not covered by a standard home insurance policy and it is important to have a separate policy if you want protection from these risks. As we all know, El Cajon is susceptible to earthquakes being located in a seismically active area of Southern California. Give us a call and we’ll be happy to go over any questions on what your El Cajon home insurance policy covers, or to find out if earthquake and flood coverage is right for you.
El Cajon Renters Insurance
Theft, vandalism and fire are all things that unfortunately can happen here in El Cajon. Although your apartment complex will have insurance for their building, it is only for the structure and excludes anything inside of your unit such as your flat screen TV or your personal furniture. This is why having the right El Cajon renters insurance is so important.
Renters insurance gives you the peace of mind knowing that your personal stuff will be covered should it get destroyed during a fire or stolen by a burglar. Your renters policy also gives you liability protection in case a guest visiting is accidentally injured. Accidents do happen and the last thing you want to worry about is being liable for someones injury.
Quote for El Cajon Home Insurance
The Insurance Store has provided insurance to residents in El Cajon and out to Rancho San Diego, Dehesa and Crest for many years. Our agency has access to many A+ rated markets in El Cajon zip codes 92019, 92020, 92021, 92022 and 92090. Give our friendly team a call at 800-354-8535 or request a quote right here from our website.
Being that we are an independent agency, this allows us to shop with multiple carriers to compare rates and find you the best price on your El Cajon home insurance options. Our team looks forward to serving you and forming a relationship for many years to come.