What is Home Insurance?

Your home is an investment, but it's so much more than that. It's the place where you relax after a hard day at work, or it might be the place where you run your business. It's where you create a lifetime of memories with family and friends. This important space deserves the very best protection from disasters, destruction and accidents.

Home insurance offers that and more depending on your customized policy. In the event of a disaster or accident, it can cover structural damage as well as your belongings with contents insurance. A customized policy can reimburse living expenses if your home becomes uninhabitable. It can even cover liability if you're legally responsible for someone else's injury or property damage.

Basic Coverages Included in Homeowners Policies

Dwelling Coverage

Dwelling coverage is designed to help pay for damage to your home.

Other Structures coverage protects 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 pays for loss of your personal belongings such as clothing, furniture, TV, stereo and other unattached possessions. We recommend reviewing this coverage with our team to make sure you're fully protected.

Personal Property Floater

A homeowners’ insurance policy normally provides limited coverage for collectibles, jewelry, furs and similar items. It may be necessary to insure your valuables with a Personal Property Floater. This type of coverage is broader than the coverage in a standard homeowners’ insurance policy.

Personal Liability Coverage

Your homeowners’ policy provides Personal Liability coverage to protect you against a non-auto claim in which you were at fault. Liability coverage takes care of both the cost of defending you and any damages that the court orders you to pay. Liability insurance doesn't have a deductible that must be met before payment of losses. We can review your current coverage limits and help make sure you have enough protection in this important area.

Medical Payments Coverage

Medical Payments coverage is designed to pay for injuries to anyone outside your family. It can often help settle small injury claims before they become big claims in court. This isn't the same as medical coverage for you and your family.

Additional Living Expenses

Where will you live if your home is badly damaged? If you need to move into a hotel or apartment because of damages to the house caused by a covered loss, your homeowners policy covers the stay subject to policy limits.

Your Priority is Our Priority

Whether you need a new policy or want to update your current insurance, house coverage is a vital part of your security as a homeowner. We're prepared to do everything necessary to help you find exactly what you need.

To learn more about the different personalized plans we offer, contact the Santa Cruz insurance experts here at Allanson Insurance. Give us a call today for a house insurance quote that covers your needs and works with your budget.