Your home is your main safeguard, we offter you the comprehensive insurance that your most valuable asset needs.
Homeowners insurance is a very comprehensive and inexpensive policy relative to what it is supposed to cover, which is a very valuable asset - your home. As an example, a house that costs $ 250,000 to build costs around $ 500- $ 600 to insure for one year. That's about 3% of the cost of building your house. As for the coverage that is offered to homeowners, it is very thorough and comprehensive, here is a list of some options:
COVERAGE A - HOUSING, THE HOUSE ITSELF
This is the estimated amount of money it will cost to rebuild your home from top to bottom, including labor. This is a very important figure because you have to take into account the cost of labor, the cost of materials, and also inflation. There are calculators that allow agents to generate this amount for you.
COVERAGE B - OTHER STRUCTURES
This portion of the policy is calculated as a percentage of coverage A. This is what covers buildings that are not directly attached to your home, such as a tool shed or a pool.
COVERAGE C - PERSONAL PROPERTY
This part of the policy is also a calculation that is a percentage of Coverage A. Some companies vary significantly in this amount. This is what covers things inside your home like clothes, televisions, furniture. Most companies expressly exclude vehicles. from this coverage.
COVERAGE D - LOSS OF USE
This is also a percentage of Coverage A. The best way to describe this part of your policy is to equate it to rent reimbursement. When your home is uninhabitable due to a fire or other hazard, your insurance company will provide funds to live in a residence similar to yours while your home is rebuilt or repaired.
There are more options available to you that are not automatically covered, but you should definitely consider. Call us so that we can discuss those options and we can offer you a quote!
DEZA INSURANCE AGENCY, 102 W "G" Street,
Ontario, California 91762.
909 - 391 - 2284 / Fax: 909 - 391 - 8877
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