We are your San Diego, California
Home Insurance experts. We shop dozens of homeowners
insurance partners to find you the best combination
of coverage and price. So you never have to sacrifice
one for the other. Because we are an independent agent
appointed to represent over 30 carriers including Mercury,
Allstate, Progressive, MetLife, Travelers, Safeco, The
Hartford, and more, you can be assured that we are going
to provide the highest level of coverage at the most
Most insurance companies automatically
include a percentage of the Dwelling coverage for Other
Structures (usually 10%), Personal Property (usually
50 to 70%), and Loss of Use (percentage varies by carrier).
A - Dwelling
Covers damage to your home due to fire, lighting, smoke,
storm damage and other similar peril.
B - Other Structures
Provides coverage for any structures not attached to
your home. This coverage pays for damages to detached
structures like garages, sheds, fences, retaining walls,
cottages, etc., on your property. Typically 10% of Coverage
A is included, with additional amounts available by
C - Personal Property
Provides coverage for your furniture, clothes, decorations,
electronics, etc. So hypothetically if you could turn
your home upside down and shake it, anything that's
not attached to the home and would fall out, would be
considered personal propertyTypically 50 to 70% of coverage
A is included for contents.
D - Loss of Use/Additional Living Expenses
Provides coverage for you to rent another home or stay
in a hotel while your home is being repaired or re-built
after a covered claim.
E - Personal Liability
Pays for bodily injury or property damage caused to
others as a result of a covered incident. Typically
the home policy includes personal liability coverage
of at least $100,000.
F - Medical Payments
Pays medical expenses for your guests who are accidentally
injured on your property. Typically the home policy
includes personal liability coverage of at least $1,000.
A $2,500 deductible is most common for home insurance
policies today because in the event that a policy holder
were to have more than 1 home insurance claim during
a 3 year period, the current insurance company will
likely not renew the policy. It then becomes very difficult
to obtain homeowners insurance and the rates typically
double for individuals with 2 or more home insurance
claims because they have to purchase a more restrictive
"surplus lines" policy that is non-admitted
with the state and is not financially backed by the
California Insurance Guarantee Act.
Homeowners insurance protection
is designed to provide coverage for high cost, unforeseen
catastrophic type losses that occur sudden and accidentally.
It's not intended to provide coverage for low cost,
frequent maintenance related losses. The higher home
insurance deductible helps homeowner's keep their current
insurance policy in place and also helps keep the annual
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