Now that you’re a homeowner in America’s Finest City, it’s time to look into obtaining San Diego home insurance for your prized investment. We understand that buying home insurance in San Diego may feel like an overwhelming and complex process. But do not worry! Our knowledgeable staff of agents are here to help you along the way and will make sure your San Diego home insurance policy covers everything you need without burning a hole in your wallet.
San Diego Home Insurance Explained
Having a general idea of what is covered by your San Diego home insurance can help you avoid any surprises in the future. Working with our friendly staff, we ensure that you understand everything about your homeowners policy and can answer any questions that you might have before you sign any paperwork.
In the state of CA, a typical home insurance policy takes care of the following:
- The structure – Should there be a catastrophic loss such as fire or damage by fallen tree or a lightning strike.
- Replacement for personal contents inside of the home, such as furniture, TVs, computers, etc.
- Living expenses in case you are unable to live in the home due to a covered loss.
- Liability protections for when an accidental injury might occur to a visitor to your home.
Please remember that home owners insurance does not cover earthquakes and floods. These are special risks and require a separate insurance policy. As you know, San Diego is located within earthquake prone Southern California, so you might want to look into earthquake coverage for that extra peace of mind.
As you are probably aware, the city of San Diego also experiences its fair share of flooding, especially in the winter months. If your home is located within a flood prone area, you may want to consider flood insurance. Want to learn more about earthquake and flood coverage? We’re here to answer any questions that you might have.
San Diego Renters Insurance
Fire, theft and vandalism are all things we hope will never happen to us. But unfortunately in the real world, these unfortunate incidents can occur to any of us. If you are a renter living in San Diego, you should consider having renters insurance. It can help get you back on your feet when you need it most.
Although your landlord will have insurance, it likely only covers the building and property itself. All of your furniture, clothes and electronics are not covered by the landlords insurance. Having a personal San Diego renters insurance policy gives you financial safeguards knowing that you will be reimbursed for your personal stuff, should it be destroyed in a fire or stolen by a burglar.
Renters insurance also protects you against legal liabilities that might arise due to mishaps. You never know when a guest will slip and break their back on your kitchen floor. It helps pay for medical and repair expenses. Renters insurance can also reimburse you for expenses if you’re forced out of the home while repairs are being made following a covered loss.
Quote for San Diego Home Insurance
Whether you need home, condo or renters insurance in San Diego, we are just a phone call or email away. Our agency represents many A+ rated insurance carriers serving the San Diego area including Safeco, Mercury, Progressive, Allied, Kemper, First American and many others.
Want to learn more or obtain a San Diego home or condo insurance quote? Give us a ring at 800-354-8535 or come stop by our office located in Mission Valley. We are just down the street from the famous Mission Basilica San Diego de Alcalá. Our address is 10981 San Diego Mission Rd. Ste 220, right at the corner where the road meets Twain and Fairmount. We look forward to working with you and providing more information about our comprehensive San Diego home insurance programs.