Property insurance in California has become challenging in the last several years. Wildfires have caused significant issues in the state, resulting in insurance companies being more restrictive. Many homeowners have been non-renewed by their insurance company due to potential exposure to wildfire.
We’re here to help navigate your options. We are appointed with preferred and specialty insurance companies and will find the best option for your insurance. Some things to consider when evaluating your insurance:
We write business everywhere in California – we are especially familiar with Walnut Creek, Danville, Oakland, Concord, and the Bay Area as a whole. We also write out of state business in neighboring states.
Contact us if your insurance has been non-renewed, you’re in the market to purchase a new home, or you need an evaluation of your current policies to make sure you have appropriate coverage. Our personal lines team is experienced and ready to assist.
You have to ask yourself…
What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?
These questions are crucial to address because major insurance carriers may put a hold on new clients prior to a forecasted natural disaster or weather event. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:
Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for:
When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.
There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.
After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.
Contact us today, and we'll help you protect what matters most.