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If you're looking into purchasing insurance for your home, you are in the right place to get the information you need to make an informed decision. Then, contact one of our award winning independent insurance agents at Insurance Center Associates to get more information and a free quote that is hand crafted and tailored to your needs.

Did you know “packaging” your Car & Home Insurance can save you 15-30% on your policies? Ask one of our award winning Home & Car Insurance agents today.

Why You Need Homeowners Insurance

It only takes one unfortunate event to lose your home and everything in it. However, if disaster strikes and you have homeowners insurance, your loss can be contained, and there will be hope and rebirth during the aftermath.

Homeowners insurance coverage extends from the outside structure of your home to all of the contents inside of it. It can cover the replacement costs of your home and personal belongings in the case of a theft, fire, or other covered disasters and even pays for temporary living quarters while your home is being repaired.

If someone gets injured while on your property, their medical expenses and your legal costs are covered. Homeowners insurance can even cover your luggage if it gets damaged or stolen while you’re on vacation.  

Having a homeowners insurance policy can mean the difference between a devastating loss and a manageable one.

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The Cost of Home Coverage

The cost of homeowners insurance can vary widely, and vary depending upon the following items:

• Which coverage options you choose - Add-on options include earthquake and flood insurance, jewelry and art insurance, and identity fraud insurance among others.
• The amount of your deductible - The higher your deductible, the lower your premium (monthly or annual payment).
• The payout limits set in your policy - The lower your payout limit, the lower your premium (monthly or annual payment). To calculate how much coverage you would need in the case of a total loss, complete a home inventory. You can do this by printing and filling out a worksheet along with taking pictures or by using a smartphone app. Save your inventory offsite or online for future use.

There are a few other things that help determine the cost of your coverage. They are:

• The type of home you are residing in (free-standing home, condo, mobile home, vacation home, etc.)
• The coverages you need or choose
• If you have safety features like smoke detectors and sprinklers installed
• Whether or not you own a high-risk dog or exotic pet
• If you have a trampoline or swimming pool
• Your credit score
• If you have multiple insurance policies with the same company

As an example of the cost of homeowners insurance in California, you can expect to pay as low as $50.00 per month. Studies show an average of $83.00 per month or $996.00 per year in California for a nicely configured policy.

The Easiest Way to Get Your Home Insured

The easiest way to get your home covered is by using an independent insurance agent to compare companies, policies, coverage options, and prices. You’ll save time and money when you trust us to get your home the coverage it needs, giving you the peace of mind that you deserve.

For more information on home insurance in the San Pedro and Torrance California area, visit Insurance Center Associates or get a fast and free quote online!!

Get a Free Homeowner Insurance Quote