Home insurance benefits all California homeowners, whether you have a mortgage on your home or not. A home policy from Avail Insurance Solutions LLC will protect your investment from unfortunate events like natural disasters, theft, or vandalism. The following information can help you better understand the value of home insurance coverage.
What Home Policies Provide
Home policies can be customized to suit your individual needs. Standard policies, however, protect you against:
Damage to Your Home
With natural disasters on the rise, it only makes sense to protect your home against the unexpected with dwelling coverage. Dwelling insurance covers such common disasters as fire, lightning strikes, hurricanes, tornadoes, hailstorms, and more. It provides funds to repair or rebuild your California home if it’s damaged or destroyed in a covered disaster, up to the limits of your policy.
Home insurance does not, however, cover floods or earthquakes. For coverage of these events, you can purchase separate flood or earthquake insurance policies.
Damage to Your Personal Property
Clothing, electronics, furniture, sports gear, appliances, and other personal goods are protected by property coverage. If these items are damaged or destroyed in a covered peril, property insurance will compensate you for your loss. Your Avail Insurance Solutions agent can help you determine how much property insurance to buy to protect your valuables.
Liability Claims for Injuries or Property Damage
Home liability insurance covers accidental injuries on your property or damage to someone’s property (laptop, car, cellphone, etc.) as well as lawsuits that may arise from accidents. This includes kitchen mishaps, slip and falls, pool or yard accidents, and even dog bites.
Cost of Living Elsewhere after a Disaster
If you’re forced to leave your California home due to disaster damage, additional living expenses coverage pays for the cost of a hotel, meals out, gas, and other expenses incurred while you’re waiting for home repairs to be done.
For quality home coverage at affordable costs, call or visit us at Avail Insurance Solutions LLC today.