Home insurance coverage for Bay Area homeowners

PROTECT YOUR HOME AND YOUR PEACE OF MIND.

HOME COVERAGE

Safeguard your property, belongings, and family with comprehensive home insurance plans.

PROTECT YOUR HOME AND YOUR PEACE OF MIND.

COVERAGE DESIGNED WITH YOUR HOME IN MIND

What Does Home Coverage Include?

Home insurance is more than just a policy—it's a safeguard for your sanctuary. Learn about the key features and benefits that keep your home and valuables protected.

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HOME COVERAGE OPTIONS

Comprehensive protection for your most valuable asset. Choose from our range of home insurance options designed to keep your property and family secure.

WHY CHOOSE OUR COVERAGE?

Protects your home and belongings
Customizable plans for every homeowner
Responsive and reliable claims support
Trusted by families for over 30 years

NEED HELP?

Not sure which coverage is right for you? Contact us for personalized advice.

DWELLING COVERAGE

Essential Protection

Covers the structure of your home, including walls, roof, and built-in appliances, from perils such as fire, hail, and vandalism.

EXAMPLE: Repairing your roof after a hailstorm.

EXAMPLE: Rebuilding a section of your home after fire damage.

PERSONAL PROPERTY COVERAGE

Belongings Protection

Protects personal belongings like furniture, electronics, and clothing from theft, fire, or other covered events.

EXAMPLE: Replacing electronics stolen during a break-in.

EXAMPLE: Covering furniture destroyed by fire.

LIABILITY PROTECTION

Legal Protection

Covers legal costs and damages if someone is injured on your property or if you accidentally cause damage to someone else's property.

EXAMPLE: Covering medical bills for a guest injured on your stairs.

EXAMPLE: Paying for repairs if a tree from your yard falls on a neighbor's house.

LOSS OF USE COVERAGE

Living Expenses

Provides funds for living expenses if your home becomes uninhabitable due to a covered peril.

EXAMPLE: Paying for temporary housing after fire damage.

EXAMPLE: Covering additional expenses like meals or laundry services during repairs.

FLOOD & EARTHQUAKE ADD-ONS

Specialized Protection

Optional add-ons that provide specialized protection against floods, earthquakes, or other excluded natural disasters.

EXAMPLE: Rebuilding after a flood damages your property.

EXAMPLE: Repairing structural damage after an earthquake.

FREQUENTLY ASKED QUESTIONS

What does dwelling coverage protect?

Dwelling coverage protects the structure of your home, including walls, roof, and built-in appliances, from covered perils like fire, hail, or vandalism.

Are my personal belongings covered outside my home?

Yes, personal property coverage often extends to belongings stolen or damaged while away from home, subject to policy limits.

Does home insurance cover floods or earthquakes?

Standard home insurance typically does not cover floods or earthquakes. You can purchase add-ons for specialized protection.

What happens if my home becomes uninhabitable?

Loss of use coverage helps pay for temporary housing, meals, and other living expenses if your home is uninhabitable due to a covered peril.

Can I get affordable coverage with a previous claim history?

Yes, we specialize in finding competitive rates for homeowners with prior claims. Contact us to explore your options.

STILL HAVE QUESTIONS? WE'RE HERE TO HELP.

We're here to help you with all your home insurance needs. Contact us today or get a quote!