You just invested in a beautiful home here in Temecula. It only makes sense that you and your family remain financially secure, and that the home itself, are both protected against unforeseen circumstances. This is where having proper Temecula home insurance comes into play.
Having the right home insurance provides you financial safeguards in case of a catastrophic loss to your home, such as a fire, damages caused by vandalism or personal items that may get stolen during a burglary. Your Temecula homeowners insurance policy also provides you with legal liability protection in the event a visitor is accidentally injured while at your residence.
Covered by Temecula Home Insurance
When shopping for homeowners insurance in the Temecula Valley, it is important to know what is covered. Here are the main pillars of what your Temecula home insurance policy covers.
- The structure – Should you ever need to repair or rebuild your home in the event of a covered loss such as a fire.
- Personal belongings – Replacement costs for items such as furniture, electronics, computers and other valuable items.
- Liability protection – You never know when someone may accidentally trip and smash their head open on your kitchen table. This helps to safeguard you against any lawsuits that may arise in the event you are sued by someone who accidentally injures themselves while at your home.
- Additional living expenses – This helps you get back on your feet if you are temporarily forced out of your home due to a covered loss.
While a home insurance policy covers most naturally occurring disasters, there are a couple exceptions. Floods and earthquakes, both of which can easily happen here in Temecula, are not covered by your standard homeowners policy and require a separate insurance policy. Our personal lines team will help you find coverage and answer any questions that you might have about these unique risks.
Temecula Renters Insurance
Even if you are just renting an apartment or house here in the Temecula area, you may want to consider having a renters insurance policy. This type of insurance is relatively inexpensive to have, and will give you the peace of mind knowing that your personal belongings be covered should there be a fire at the place you are living.
Renters insurance also gives you liability protections to safeguard you financially. It’s impossible to know when the unfortunate time may come when someone decides to lawyer up and sue you for something, such as an injury that may have occurred while they were visiting your home or apartment.
Quote for Temecula Home Insurance
Having proper coverage that addresses the specific needs of a Temecula homeowner is vital. It’s impossible for someone to predict a future loss, or when you’re going to need money for expensive home repairs due to a catastrophic event. That’s why we have insurance.
The Insurance Store represents over 40 A+ rated insurance companies serving southwest Riverside County and can offer very competitive rates on home insurance in the following Temecula zip codes: 92589, 92590, 92591, 92592 and 92593.
If you would like a customized quote for Temecula homeowners insurance please call our team at 800-354-8535. Or come stop by our Temecula office located just off the 15 freeway at 40810 County Center Dr (just north of Winchester and Ynez). We look forward to speaking with you soon about your Temecula home insurance needs.