Homeowner Insurance
California Homeowners Insurance
Your home is typically your largest purchase and most valuable asset. If it suffers damage, you need a California insurance agent who can find the best coverage and quickly handle your claims. At Su Casa Valley Insurance, we help you find the right policy with quality service and affordable pricing. Homeowner insurance policies vary based on location, valuables, and selected coverages. A comprehensive plan protects you financially from fire, theft, or other incidents, and covers injuries that occur on your property.
Homeowners policy coverages in California
- Property Coverage: This pays for repairs to your home, garage, or other damaged buildings.
Personal Property: This covers the loss of valuables like jewelry, electronics, or guns due to theft or damage.
Liability: This protects you if someone is injured or their property is damaged on your premises.
Medical Expenses: This provides medical coverage for non-residents injured on your property.
Living Expenses: This covers temporary housing or food if a complete loss forces you out of your home.
Vacation Home Insurance for Your Home Away From Home
A vacation home is more than just a retreat; it’s a significant investment. Just like your primary home, your vacation home needs insurance to guard against various damages and expenses. Securing the best insurance for your vacation home is crucial.
Natural Disasters
Natural disasters can strike without warning. If a flood, fire, earthquake, or tornado damages your vacation home, you need reassurance that you’re protected.
Your Homeowner's Insurance Isn't Enough
Homeowner’s insurance typically excludes vacation homes, treating them as business activities. This does not imply that you operate a business but means the insurance terms are different.
Other Types of Loss
Vacation home insurance also covers risks beyond natural disasters. Vandals and thieves can cause damage. If you rent out your vacation home, guest damage can occur, and sometimes a deposit won’t suffice. Since vacation homes are often vacant for parts of the year, unnoticed damage, like a burst pipe or vandalism, is more likely.
Liability Coverage
Even if you never rent your vacation home, liability coverage is vital. It safeguards you from lawsuits if someone is injured on your property. Liability coverage addresses claims from occasional guests as well.
How to Save Money
Vacation home insurance can be as costly or more expensive than insuring your primary home. However, you can save by installing an alarm system, staying near a water source, and bundling policies when possible.
Personal Service
At Su Casa Valley Insurance Services, we treat our customers like family. Serving Visalia, Tulare, Selma, Hanford, and Fresno, we offer vacation home insurance to protect your investment, whether you use it exclusively for family or rent it out.
