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Homeowners Insurance Information
Protect Your Home and Everything In It.
At Mitchell Insurance Services, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.
Mitchell Insurance Services is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
Our Home Insurance coverage options include:
Mobile Home Insurance
Scheduled Property Insurance
In-Home Business Insurance
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.
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:
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.
Possessions insurance: Pays for damaged belongings. Protection might cover everything from food in the pantry to computer systems.
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 policymay not cover flood or earthquake damage. Talk with your insuranceagentabout these types of coverage.
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.
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.
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.
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.