San Diego Homeowners Insurance Secrets Revealed
How To Get The Best Combination of Coverage Price and Service
If you own a home or rent, you need the right kind of San Diego homeowner’s insurance. Homeowner’s insurance is necessary to protect yourself, your family, and your property from loss and damage. We can provide you with many homeowner’s or renting insurance options. Let us do the shopping for you.
As a San Diego homeowner, there are some exceptions, such as floods, earthquakes, and poor maintenance (Also known as wear and tear). If you want coverage for floods or earthquakes, you will have to purchase separate policies.
Where You Live, Make A Difference
As you consider moving, it pays to have a good understanding of just what you are getting into when it comes to homeownership. Here are a few tips for you to think about before you make that move.
- When looking for a home, consider things like the distance of the house to the nearest fire station, and are there fire hydrants in your neighborhood?
- Think about the age of the house as some older homes can be very costly to replace.
- Is the location in a flood zone or prone to flooding?
- Is the area in an earthquake zone?
- Check with the local police to see the crime rate of the neighborhood.
- Always have your home inspected before you commit to buy.
Coverage Items That Can Be Included In Your Home Policy
- Replacement Cost Coverage. Replacement coverage refers to the reimbursement for rebuilding or replacing damaged items or structures with like kind and quality.
- Additional Living Expense Coverage. This covers the expenses you may incur if you are not able to live in your home for a period of time due to a covered loss. It would cover hotel, food, and other expenses.
- Building Code Coverage. Building code coverage provides additional limits/coverage in the event your local build codes require new or different construction methods. An example might be a higher vale insulation rating.
- Valuable Items Coverage. Provides higher limits and expanded protection for certain property such as jewelry, silverware, fine art, gun, collections, furs, cameras, musical instruments, and home computers.
- Identity Fraud Coverage. ID Insurance provides up to a specific amount to help cover costs to restore your identity if it’s used fraudulently.
- Water or Sewer Backup. Most homeowners and business insurance policies do not cover water or sewer back up unless specific sewer backup coverage is added to the policy. Fortunately, sewer backup coverage is available from most insurance companies for a nominal cost.
Proven Ways to Lower Your Home Insurance Premiums
- Consider increasing your deductibles.
- Assess the value of the possessions in your home. Do you have the correct amount of coverage?
- Pay your premiums in full. Some carriers offer a discount for this.
- Are you over the age of 65? There are senior discounts available.
- Most insurers offer discounts for alarms, sprinklers, and deadbolt locks.
- Combine home and auto together. Many insurers offer discounts for consolidating policies.
- Use an independent agent like us to shop your insurance on a regular basis. We will search the market and find the best options for your specific needs.
- Many insurance companies reward homeowners with discounts ranging from long-term customer loyalty rewards to having claim-free histories with the company.
- Upgrade basic house systems such as electrical, heating, plumbing, and roofing.
San Diego homeowner’s insurance also provides personal liability protection, which covers you in case of a claim or lawsuit from bodily injury, personal injury, or property damage that you are your family members caused to another party.
McCormick Insurance Professionals
Since 1992, Wayne McCormick has provided homeowners insurance coverage at competitive rates for homeowners and renters in San Diego County and Southern California.
Let us help you save even more by combining your home and auto insurance. We can also help you can save hundreds on your life insurance, umbrella insurance, motorcycle insurance, boat / watercraft insurance, RV / travel trailer insurance, commercial insurance, and more. We even offer surety bonds!
Are you curious to know how you can save more by combining your auto and home insurance? (619) 276-0492. The Wayne McCormick Insurance team in San Diego is ready to serve you, and help you save on your auto, homeowners, condo or apartment building insurance.
This information is for educational purposes only. Each insurance policy is unique, and it will be the terms of your individual policy that will govern any claim settlement.