Owning a home without Homeowners Insurance Agent in Temecula CA is extremely risky and could result in a homeowner losing all of their belongings, including their home. It is imperative homeowners fully understand why purchasing insurance for their home is so important. With this information, homeowners will be given the knowledge they need so they can make sure their home and family are fully protected.
Why Do Homeowners Need Insurance?
Although it is against the law to drive a vehicle without insurance, homeowners can legally own a home without having it covered. The only time a homeowner may be forced to purchase Homeowners Insurance in Temecula CA is when they have a mortgage in place. The mortgage company will require a homeowner’s insurance policy so their investment can be protected throughout the life of the mortgage.
What Is Covered Under the Policy?
Homeowner’s insurance protects a homeowner, should damage occur to their home or belongings. The policy will cover different types of damages caused by the following.
* Fire and smoke
* Heavy winds
* Tornadoes
* Theft
* Vandalism
* Lightning
* Hail
* Snow
It is important to note, damages caused by earthquakes and flooding are not covered. Homeowners can choose to have these added to their policy, and this is important if the home is located in an area of the country that is prone to both of these.
A typical homeowner’s insurance policy will cover damages caused to the main dwelling, including the full destruction of the home. It is imperative a homeowner chooses a policy that will offer full coverage and rebuild value to ensure the home will be covered.
Other structures can also be covered, such as detached sheds, garages, and even fences. Homeowners need to make sure they check the coverages and exclusions of their policy to ensure they make the right purchase.
If you are in need of a homeowner’s insurance policy you can rely on, contact Winchester & Associates Insurance Services Inc. They will be happy to meet with you and go over your coverage needs so they can make sure you and your home are fully covered. Call the office right away to get started.
