Homeowners Insurance in Los Angeles, CA
Homeowners insurance may help cover the cost of repairing or replacing your home and belongings if specific events like fire, theft or storms damage them. It may also help with legal costs if someone is accidentally harmed on your property and decides to sue.
How Does Homeowners Insurance Work?
When you purchase a policy, you agree topay premiums to an insurance company in exchange for coverage. This means you could file a claim if something covered by your policy occurs. After you meet your deductible, the insurance company may help pay for the rest, up to your policy’s limits.
What Does My Policy Include?
Homeowners insurance policies are often customized to include various types of coverage. Your agent may recommend the following:
- Dwelling coverage may reimburse your home’s repair or rebuilding costs if covered events like fire, lightning or hail damage it.
- Personal property coverage may cover your furniture, clothes, appliances and other belongings if they’re stolen or damaged by a covered incident.
- Liability coverage may help cover legal fees and medical bills if someone gets injured on your property or if you damage others’ property.
- Loss-of-use coverage may help with hotel bills, meals and other living expenses if you need to stay elsewhere after your home becomes unlivable due to a covered incident.
- Other structures coverage may apply to structures on your property that aren’t attached to your house, such as a garage, shed or fence.
While homeowners insurance covers many events, it doesn’t apply to everything. Damage caused by floods or earthquakes usually requires separate coverage. Maintenance issues, pest infestations and general wear and tear are not covered.
Get Covered Today
Explore your home insurance options with Choice Insurance Agency. Our team can walk you through suitable coverage and help you find suitable coverage. Contact us today to get started.