Homeowner's Insurance

The single biggest investment you may make in life is your home

Homeowner's Insurance

The single biggest investment you may makein life is your home

 

homeinsurance_compressedIs Your Home Insurance Putting You at Risk?

The single biggest investment you may make in life is your home. Are you sure you've protected your investment? Let us review your homeowner's policy with you and make sure there are no gaps in coverage.

Basic Coverages Included in Homeowner's Policies:

Property Damage Coverage
"Property Damage" coverage is designed to help pay for damage to your home and personal property.
"Other Structures" coverage will help protect your detached garage, tool shed, and other unattached structures. Generally, the coverage is 10% of the amount for which your home is insured.
"Personal Property" coverage helps pay for a loss of your personal possessions, such as clothing, furniture, TV, stereo and other unattached personal items. You may want to review this coverage with us, to make sure you are adequately protected in this area.

Personal Property Floater
A homeowner's insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc. It may be necessary to insure your valuables with a Personal Property Floater. A Personal Property Floater provides coverage that is broader than the coverage in your standard homeowners insurance policy.

Personal Liability Coverage
Your homeowners policy provides Personal Liability coverage to help protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses. We can review your current limits of coverage, and help make sure you have enough protection in this area.

Medical Payments Coverage
Medical Payments coverage is designed to pay for an injury to someone OUTSIDE your family. It can often help settle "small" injuries outside of court before they become BIG claims in court. This is not medical coverage for your and your family.

Additional Living Expenses
Where will you live if your home is badly damaged?
If move into a hotel or apartment for awhile because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to policy limits.

 

allanson
John Allanson, CEO and Founder
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Santa Cruz County's Insurance Experts

Phone: (831) 685-0101 | Fax: (831) 685-0202

9500 Soquel Drive, Aptos, CA 95003

Open: Monday - Friday  8 AM - 5 PM

Closed for Lunch from 12 - 1 PM

Let's get started!

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allanson
John Allanson, CEO & FOUNDER
aia_logosample_300x112_whiteandorange

Santa Cruz County's
Insurance Experts

Phone: (831) 685-0101 | Fax: (831) 685-0202

9500 Soquel Drive, Aptos, CA 95003

Open: Monday through Friday 8 AM - 5 PM

Closed for Lunch 12 - 1 PM

Let's get started!

Please enter your name.
Please enter a valid email.
Please enter a message.

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