Homeowners Insurance
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Homeowners Insurance Information
Protect Your Home and Everything In It.
Your California home is probably filled with treasured belongings, family and maybe even a pet. Could you afford to rebuild your home if something unfortunate happened? Homeowners insurance may be the financial safeguard you need to protect your home and belongings. Mitchell Insurance Services is a trusted provider of home insurance policies for California residents that can help keep your property from damage and accidents.
Common Homeowners Insurance Questions:
Why Home Insurance?
Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.
While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Mitchell Insurance Services about specific coverage options that are applicable to your individual needs.
Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from Mitchell Insurance Services.
How does homeowners insurance work?
Similar to other lines of personal insurance, a homeowners insurance policy is a contractual agreement between you and the insurer. In exchange for your premium payments, the insurer agrees to provide financial assistance as defined in your policy should you experience a covered loss during the policy’s term. Every policy is different, and claims may be subject to a deductible. Work with your Mitchell Insurance Services agent to learn more about a homeowners insurance policy may work.
What does home insurance cover?
As mentioned earlier, homeowners liability is just part of a comprehensive homeowners insurance plan. Other important areas of coverage include:
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Structure protection: Insures your house, garage and often detached buildings on the property. Often provides coverage in case of damage from fires, weather, theft or other hazards.
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Possessions insurance: Pays for damaged belongings. Protection might cover everything from food in the pantry to computer systems.
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Liability coverage: Additional expense protection: Do you need to move out temporarily after an accident? Let this coverage reimburse you for expenses such as dining or hotel bills.
Your homeowners insurance policy may not cover flood or earthquake damage. Talk with your insurance agent about these types of coverage.
Who Needs Home Insurance?
Although you’re not required to have home insurance, you may need coverage as a condition of your lender. And even if it’s not required, this critical coverage can protect you from a significant financial loss that you otherwise may have to pay on your own. We can help you determine the insurance that will give you sufficient protection.
Is homeowners insurance required?
While not explicitly required by state or federal law, if you’ve financed your home, your lender may require you to carry adequate insurance until you’ve paid off your home. We can work with you to ensure you have enough coverage to satisfy any applicable lender insurance requirements.
Are all kinds of home insurance alike?
Your home is unique, from its shape and size, to the materials used to build it. In addition, your possessions have wide-ranging values. Any loss is costly, so you’ll want to maximize your benefits.
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Ensure you have enough structure protection to rebuild the home. Keep in mind, the construction value differs from the cost to buy a new home.
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Ask your insurance agent to adjust your possessions coverage to match the full value of your belongings as closely as possible. That way, you’ll have fewer limitations when making a claim. Keep in mind, some policies will limit how much they pay per item.
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Your policy likely includes a deductible on damage. It’s a good idea to take as high a deductible as you can manage—this may lower your premium cost.
Homeowners coverage is critical to your overall financial well-being. Having a policy means you don’t have to pay for covered home damage in-full, out of pocket.
Mitchell Insurance Services provides Home Insurance for residents near Visalia, Paso Robles, Exeter, Delano, Bakersfield, and Tulare.
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