Home Insurance

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Home Insurance Coverage

See what's covered and not covered by home insurance

What is covered by home insurance

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for people hurt on your property. Medical Payments coverage also pays for some injuries that may happen away from your home, such as if your dog bites someone.
  • Loss of Use — Pays for additional living expenses if your home is too damaged to live in during repairs. Most standard home insurance coverage pays 10 to 20 percent of the amount of your dwelling coverage.

You also can purchase the following optional home insurance coverages:

  • Guaranteed Replacement Cost — Provides the most complete coverage for your home. Your home insurance company requires you to meet specific underwriting rules and conditions to qualify for this coverage. For instance, you may need to increase your home insurance amount on a monthly, quarterly or yearly basis to keep up with the inflation rate.
  • Inflation Guard Endorsement — Automatically adjusts your home insurance limits during your policy period so they are at 80 percent or more of your home's replacement cost, which is the amount most home insurance companies require you to have. This coverage is beneficial if your home's replacement cost is increasing with inflation.
  • Scheduled Personal Property Endorsement — Also called a personal article floater. With this coverage, possessions, including jewelry, furs, stamps, coins, guns, computers, antiques, etc., are covered. Each article is itemized and detailed in the floater, and excluded perils also are outlined. Personal article floaters often do not have deductibles.
  • Increased Limits on Money and Securities — Increases coverage amounts for money, bank notes, securities, deeds and more.
  • Secondary Residence Premises Endorsement — Covers a secondary residence, such as a summer home. Insurance for secondary homes is not automatically provided by the home insurance policy you have for your primary or principal residence, so it's important to consider this endorsement if you own more than one home.
  • Watercraft Endorsement — Expands personal liability and medical payments coverage for small sailboats and outboard motor boats only.
  • Theft Coverage Protection Endorsement — If items from your motor vehicle, trailer or watercraft are stolen, theft coverage protection broadens theft coverage without requiring proof of forcible entry.
  • Credit Card Forgery and Depositors Forgery Coverage Endorsement — Coverage applies if your credit cards are lost, stolen or used without permission, or if someone forges a check, draft, promissory note, etc. Certain restrictions apply and are noted in your home insurance policy.

What is not covered by home insurance

A standard homeowners policy may not protect you from:

  • Flood, Earthquake, Nuclear Accident and War — To protect against unforeseen and uncontrollable events like these, you can purchase hazard insurance through your home insurance policy.
  • Windstorm Damage — In certain areas (mostly coastal) of some states, standard home insurance coverage does not cover damage caused by windstorms and hail. Check your policy information to see if windstorm damage is covered in your area.

Find Frequently Asked Questions Here If you cannot find your question here, please give us a call or open a chat with us and we will be happy to help you.

No! Our quotes are 100% free. We will be happy to offer our service and compare prices from our various insurance companies to find the best price for you. Give us a call and get a free quote over the phone, or through chat or come into one of our office locations and we will give you a speedy quote.

We offer a variety of insurance companies to find the best price for you. Here are some of the insurance companies we offer: Access, Alliance, Allstar, Anchor, Cabrillo, Carnegie, Infinity, Kemper, Mendota, National General, Progressive, RMIS, Workmens, etc.

If you were currently in a car accident, make sure to report it to the police. After you have a police report, contact the insurance company of the person at fault. If the other person is uninsured, contact your insurance company. Click on the logo of your insurance company or find it in the menu to get the phone number you need. If you need assistance, do not hesistate to give our office a call and we will gladly guide you to the needed information.

We offer a variety of other services in our offices other than insurance. We offer DMV transactions, Notary Public, and Income Tax preparation.

We currently have 3 different office locations in East Palmdale, Lancaster, and El Monte. To find the location nearest to you, please scroll down to the location finder map offered at the bottom of the home page.

Yes, we do! We are waiting for your call to give you a free quote.


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