Eugene C Yates Insurance Agency is a Local Lodi Homeowners Insurance Agency & Has Proudly Insured California Homes Since 1946

When you’re looking for a homeowners insurance agency you can trust, it’s always best to go with a company that has been there for years. An insurance broker that has been part of the community and has been there when you needed them most.

That insurance broker is Eugene C Yates Insurance Agency. If you’re looking for great coverage for your home, please give us a call. We have agents ready to help you get better homeowners insurance today. Call us at 209-339-1130 for great rates on homeowners insurance!

How to look for the best homeowners insurance policy

When it comes to finding great homeowners insurance it’s pretty easy when you deal with a reputable insurance broker like Eugene C Yates Insurance Agency. If the overall process seems a little overwhelming for you we broke down a couple simple steps to take to make sure you find a good homeowners insurance policy if you’re unable to call us today;

Step 1; Determine what it is you want to have insured. Most of your standard homeowners insurance policies come with very basic coverage. Typically the structure of the home and your personal belongings will be covered, but what if you live in a flood zone? You may need additional riders to cover earthquake and flood protection. If you have a home office you may need to think about carrying additional liability protection. 

Step 2; Decide on the amount of homeowners insurance you will need. You’re going to want to go through your home and create an inventory of your personal belongings. It would also help a great deal if you can somehow determine what the cost to rebuild your home would be if the worst were to happen. Usually you can get an estimate from a Realtor or your insurance company. Knowing what it would cost to replace the lifestyle you’re living, will help you to determine the amount of homeowners insurance coverage you may need. 

Step 3; Review multiple homeowners insurance companies. When you go through us our wonderful agents help you look for the best policies for your situation, through multiple homeowners insurance companies. Every insurer is different and has their own unique discounts & benefits available. Shopping around and reading reviews will help you know whether or not a certain homeowners insurance company may be the right fit. If you’re in California and would like us to help you with this step, please reach out to us. You can contact a live homeowners insurance agent at 209-339-1130.

Step 4; Decide on a homeowners insurance policy. After you’ve decided on a company and reviewed what they have to offer, it’s time to choose an insurance policy. The right homeowners insurance policy will provide correct amount of coverage and have terms that are easy for you to understand. You will always want to check to see if you qualify for any potential discounts as well. 

How does Lodi California homeowners insurance work?

Generally, homeowners insurance works by protecting the structure of your house, personal belongings and some detached structures. It provides coverage that may repair or replace any lost or damaged items or structures. Your typical homeowners insurance policy covers you if your home is damaged by a storm, fire, theft, vandalism and various other covered perils. 

When it comes time to calculate the amount of coverage you need, it’s always best to speak to an independent agent like Eugene C Yates Insurance Agency. They can help you determine the amount of coverage you may need and help you to shop for the best home insurance company for your situation. 

Is homeowners insurance a requirement in Lodi California?

Homeowners insurance is not a state requirement. Although, if you carry a mortgage on the home that is connected to a lender, they will more than likely require that you have homeowners insurance to cover any possible losses. If your home is free & clear and you do not carry a mortgage, it should be up to your discretion whether or not you have homeowners insurance coverage.

It may still be a good idea to carry homeowners insurance even if you aren’t required to do so. There are certain liability issues to always keep in mind when owning a home. You may not have the available funds to rebuild your home if the worst were to happen, but a small monthly payment may be more in your budget. 

Homeowners insurance is easy, affordable and fast when you go through Eugene C Yates Insurance Agency. Call us today for great coverage for your home! 209-339-1130