California Home Insurance
California Home Insurance is different than any other state, because California is different than any other state. With miles of coast line, great mountain ranges and some of the most fertile valleys in the world the geographic areas are very diverse. California is home to some of the most interesting and fantastic cities in the country. No matter where you live though, each area has different risks, and California is notorious for the chance of earthquakes! Depending on where you live, your California Homeowners Insurance protection plan is customized for you, your home and your needs. There are many things to take into consideration with a California Home Insurance Policy. Every plan is different depending on the home, the owners and the lifestyle. So many things factor into your coverage like: location, age of home, heating source and more. At Monte Johnson Insurance Services Inc., we take everything into consideration, and then do the shopping for you. With the multiple companies that we represent, we are able to find the best protection plan and price available.
California Homeowners Insurance Basics
Most lenders require you to have a California Property Insurance Policy. However, most people don't know what they need in that policy. One of the first basics to understand is the replacement cost of the dwelling. This is the cost it will take to rebuild your home after a disaster, not the market value of your home (a common misunderstanding). Personal property is the amount of the contents of your home. This value represents all of your stuff, and anything of high value can be be specifically scheduled to be sure it is replaced if anything happened to it. Liability protection is the limit covering you for any damage you cause others or if some incurs damage while on your property. Loss of use is the amount your insurance company will pay for living expenses if you are unable to live in your home because of damage. There are other details to take into consideration, but a few of the basics will help you to understand your California Homeowners Insurance Policy and how it can protect you.
Monte Johnson Insurance Services Inc: Your Insurance Specialists
At Monte Johnson Insurance Services Inc., our friendly and experienced agents are ready to help you assess your needs and protect you against risk with an affordable California Property Insurance policy.
Get started today! Give us a call or simply fill out the Protection Savings Form on this page right now to get started.