Home Insurance in California

Why You Need Home Insurance in California

In order to be a responsible homeowner in Chino, CA, you should have home insurance. It’s also required to have if you are paying off your home with a mortgage. Home insurance provides several different coverages that are useful to protect your biggest financial assets, even if you aren’t required to have it once you pay off your home.

Types of Coverage in California

There are different coverage options available in Chino, CA. An agent at Providence First Insurance Services can help you find a policy that will work for your needs. Dwelling coverage helps protect the structure of the home, such as the walls and roof. Personal property coverage will protect what is inside your home, such as furniture. This coverage protects your belongings, even if they're stolen or damaged outside the home, including property kept in your car. There are certain limits to some valuables so take time to do a home inventory to make sure you have enough coverage. Other structures coverage protects the structure of other buildings on the property, such as a shed or detached garage. Liability protection will protect and defend you if someone sues you after you damage their property or they injured on your property. Guest medical protection will help pay for medical expenses if someone is injured on your property. Having additional living expenses protection will cover increased expenses if you aren’t able to live in your home after a covered loss. This is typically 20% of your dwelling coverage but you may be able to increase it.

There are some things that won’t be covered by a standard home insurance policy that you should be aware of. Typical policies don’t cover earthquakes or floods. As wildfires become more prevalent in California, some homes may need to have fire coverage. You want to make sure that you are covered for disasters that are the most common in your area.

Contact Providence First Insurance Services to get a quote on home insurance or visit our website for a no-obligation home quote.