San Diego Home Insurance

Your homeowner’s policy covers the cost of repairing or rebuilding your home if it is damaged or destroyed by a fire, hurricane, hail, lightning, or other disasters listed in your policy. Most policies also cover detached structures like a garage, tool shed, or gazebo for about 10% of the amount of the insurance you have on the house’s structure. All subject to your own policy terms and conditions.

Liability coverage in your homeowner’s policy protects you from lawsuits for bodily harm or property damage caused by you or family members to others. It also compensates you for any damage caused by your pets. So, if your child (or even your dog) accidentally destroys a neighbor’s expensive rug, you’re covered. The liability portion of your policy covers the cost of defending you in court as well as any court awards, again subject to your policy terms and conditions.

Common San Diego Home Insurance Questions And Answers

Does My Homeowner’s Policy Cover All Disasters?

Fire, windstorm, hail, lightning, smoke, explosion, theft, vandalism, riot, and vehicle collision are all common perils covered by homeowner’s insurance. It frequently excludes; earthquakes, floods, power outages, war, nuclear explosions, neglect, ordinance of law (locally compelled repairs), or intentional damage.

What Are Common Liability Limits?

Liability limits begin at $100,000, but most homeowners should have liability coverage between $300,000 and $500,000 to protect their assets in the event of a lawsuit.

Will My Homeowner’s Insurance Cover A Drone?

Most standard homeowner’s insurance policies exclude aircraft liability coverage but may include coverage for “model or hobby aircraft,” such as your personal drone. If your policy does in fact include this coverage, and you crash your drone, causing bodily harm or property damage, the terms and limits of your policy should cover it.

Will My Homeowner’s Insurance Cover Rotted Wood?

Wood rot is typically not covered by a homeowner policy unless it can be directly linked to a covered event. Typical homeowner’s insurance policies cover “sudden and accidental” damage. Most homeowner policies, for example, cover the accidental discharge or overflow of water from a household appliance.

How Can I Lower My Homeowner’s Insurance Premiums?

You can choose to have a higher deductible, which is the amount of money you must pay out of your pocket before your insurance kicks in. However, there are less risky ways to save money, such as bundling your homeowner’s insurance with your car insurance, alarms, updated roofs, or asking if you qualify for any discounts.

Does Homeowners Insurance Cover Roof Leaks?

You may be covered depending on what is causing the leak. Most insurance companies will not cover your home if the roof is more than 20 years old unless it passes inspection first.

Is Homeowners Insurance Tax Deductible?

In most cases, homeowner’s insurance is not tax-deductible. However, as a landlord, if you use your home for a home business, you should consult with your accountant about making the necessary deductions.

What If My Tree Falls On My Neighbor’s Yard?

If a tree falls and damages your property, you should file a claim with your own home insurance company, regardless of where the tree came from. If the tree caused damage in your neighbor’s yard, he would file a claim with his own insurance company. Home insurance usually does not cover the removal of fallen trees that do not cause damage to property. The tree must have caused damage to a structure covered by the policy in order to qualify for a claim. If a tree is blocking a driveway or a wheelchair ramp to the house, an exception may be made.

These are for general purposes only. Contact your agent for specific answers to how these might impact you personally.

McCormick Insurance Solutions. San Diego Insurance Broker Auto, Home, Life and Commercial Insurance and Surety Bonds. Insurance license number 0D95593. 619-276-0492 1437 Morena Bl Suite 201, San Diego CA, 92110 USA