If you own or rent your home, having homeowner insurance is a must to protect your belongings and your most valuable asset. If you suffered a loss due to fire, vandalism, or theft, would you have the financial resources to replace everything that was damaged? For most people, the answer is no, so having a homeowner insurance policy is the answer. 

Homeowner insurance can offer more than just insurance for structures, although that is certainly an element. Your homeowner insurance policy can help you repair or rebuild after an incident. But many people are not aware that homeowner insurance can also provide coverage for other things: 

• Additional living expenses: your policy can cover expenses if you need to live somewhere else if your dwelling is not habitable, often for up to 24 months.
• Personal liability coverage: this covers injuries to people or damage to their property if you are responsible. It doesn’t have to be an injury on your premises--this coverage applies anywhere in the world. You can select coverage that meets the value of your assets, should someone seek damages in a lawsuit. 
• Medical coverage: this provides coverage for people who need medical care due to sustaining an injury on your property, such as a fall on your stairs. 
• Scheduled personal property coverage: this is extra coverage for special items, such as collectibles, art, jewelry, and antiques that may not be covered under a more basic homeowner policy. 

A homeowner policy can protect your valuable belongings if they are damaged or stolen, including clothing, electronics, furnishings, and sporting gear. You don’t have to own the home to use a homeowner policy--homeowner policies can cover renters as well. 

Are you a landlord? The proper homeowner policy can protect you from damages inflicted by tenants. And of course, you want to protect the dwellings that provide your source of income. 

Whether you are a renter, a homeowner, or a landlord, you may wish to add an umbrella policy for even more coverage, such as if you are a dog owner. 

Before talking to one of our agents about tailoring the right policy for your needs, it’s smart to document your belongings. Using your cell phone, you can take a quick video that makes an inventory of your home. You can use this to set up your policy and in the event you ever need to make an insurance claim. 

Give us a call at 760-324-4100 today. We’re here to help you protect your assets and to give you the peace of mind that comes with the right homeowner insurance policy for you. Our bilingual staff can easily help you find the right home insurance policy to fit your budget and your needs.

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