Your home is an oasis away from the chaos of the world. It's the one place you can go to, close the door behind you, and feel fully relaxed knowing you're safe and surrounded by what makes you happy. But what if that home is ever jeopardized by a fire, water damage, or a freak thunderstorm? It pays to have the best home insurance policy for your home should the worst ever happen. This gives homeowners peace of mind knowing their sanctuary will be fully protected. But where should you begin? How do you know which policy is right for you? AFS&V is here to help!
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 hold on new clients after a disaster strikes. 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:
What is the average cost of home insurance in California?
The average cost of home insurance in the state of California is $1,030 per year or approximately $89 per month. While this may seem expensive, it's actually 35% cheaper than the average home insurance cost across the United States.
What is covered by homeowners insurance in California?
While homeowners insurance varies depending on a variety of factors, standard home insurance in California typically covers damage caused by smoke, vandalism, theft, rain, hail wind, and lightning. Given that the homeowners insurance is for the state of California, standard policies usually include wildfire coverage as part of the fire protection that's included.
While homeowners insurance provides coverage in the event of house damage, standard policies also include reimbursements for living expenses if alternative housing is required while your home is being repaired.
Standard policies also include coverage for medical fees should someone sustain an injury on your property, as well as heating systems, A/C systems, kitchen appliances, and more. Outbuildings and other external permanent structures are also usually covered as well.
What are the most common home insurance claims?
Dealing with theft, weather damage and more at home can be stressful. This is why it pays to have a great homeowners insurance policy in place should the worst occur. Incidents at home happen more than people think! These 5 homeowners insurance claims were the most commonly filed claims in 2021:
Do you pay homeowners insurance monthly or yearly?
Depending on the type of homeowners insurance acquired, customers typically have the option of paying either monthly or annually. Annual payments ensure that the payment is out of the way and completed while monthly payments allow customers to break up payments but may result in paying longer in the long run if interest is involved.
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.
Navigating the complex world of home insurance shouldn't be stressful. Let our experts help you find a policy that works for you. We're happy to provide you with a home insurance quote to see if you could be saving your valuable money on a policy better suited to your needs. We're experts in the Connecticut home insurance market and can't wait to help you protect your home!
Contact us today, and we'll help you protect what matters most.