Insurance

Security and Protection through your California Homeowners Insurance policy

How much insurance is enough to fully restore your home in the event of a loss? Could you rebuild your home with the homeowners coverage you have now? Most homeowners just don’t know enough about building supply and labor costs to answer these questions. That’s why we want to be sure your home is properly insured to cover all rebuilding costs, even those that you don’t expect.

The way this is done is called “Insurance to Value.” this means determining the dollar amount of insurance needed to rebuild a home completely destroyed in a loss. The replacement cost of a home is usually going to be greater because it generally costs more to replace a home than to buy or build a new one. The right California Homeowners Insurance expert will help you ensure that your home is fully protected in the case of damage or total loss.

The amount of insurance you need is based upon information you give to your agent about your home and its contents. You will work together to establish the current replacement cost of your home. Replacement Cost Coverage ensures you have the right amount of coverage to repair or replace your home and possessions without any deduction for depreciation, but limited to the amount shown on your policy Declarations Page. Here are some highlighted options you should look out for on your policy.

Replacement Cost Coverage which pays for the cost to repair or replace your house and other buildings on your property without any deduction for depreciation up to the amount of coverage purchased. Replacement Cost Coverage allows for the use of building materials of like kind and quality to the original. For example, if you had to rebuild your home after a major fire loss, including the replacement of custom kitchen cabinetry, your policy would provide for this additional cost and the cost of many other special home features, but will not pay more than the coverage limit.

Extended Limits gives you a little extra protection. If the amount of insurance you purchase is say $200,000 and you choose Extended Limits coverage, your policy will pay to repair or replace the house with like kind and quality building materials up to $250,000 or 25 percent more than the purchase amount.

Coverage A Plus is the most comprehensive Replacement Cost protection of all, Coverage A Plus pays for the repair of your house with like kind and quality building materials as needed without being subject to a set limit. If at any time you feel your coverage amount needs to be adjusted, please contact your California Homeowners Insurance agent to discuss the right amount of insurance for you. It’s important for you to feel completely comfortable with the amount of protection you carry for your home and your possessions. Remember to always review your policy periodically, especially when you make additions or improvements.

About the Author

We as California Homeowners Insurance agents are providing excellent service, coverage and prices for all your insurance needs. We are dedicated insurance experts in all lines of insurance products. We have over 10 years of insurance experience and provide excellent protection from the nation’s top carriers.

Homeowners Insurance 101

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