Nov 21, 2010
What's the secret to selecting the right amount of insurance coverage? Simple - the more information you provide, the easier Mission Counties Insurance can create a homeowner policy that's right for you.
California Homeowners Insurance from Mission Counties Insurance is here to protect you
Consider these scenarios:
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Are you a home or condo owner, a renter, or a landlord?
As a home or condo owner, whether you live in San Jose or elsewhere, you want to make sure you're protecting your home, your possessions, and yourself, family and guests in the event of damage or injury. Renters will want to protect their possessions, which will not be covered by a landlord. And landlords want to protect their properties, while protecting themselves from liability.
Note: Liability coverage is not included in a standard landlord policy, but is available as an add-on coverage.
Do you have collections of art or other valuables?
Your homeowners insurance generally covers the contents of your house. However, there are often limits on items like jewelry, paintings, or other collectibles. Adding a scheduled personal property endorsement can provide coverage for your special belongings, with no deductible. Creating an inventory of your home or property's contents is a good idea.
Are you concerned about out-of-pocket expenses if your home or property becomes unlivable?
You may find yourself with extra, unforeseen expenses, for repairs, replacements, or living costs. Your policy can help cover those.
Ask Mission Counties Insurance
For more details, give us a call at 408-979-8160 or email us at insurance [at] missioncounties [dot] com.
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