Home insurance Sacramento CA is coverage for your property, home, liability and legal responsibility. Home insurance will protect you and your family from specific covered perils such as wind, fire and smoke, vandalism and theft. Please keep in mind earthquake and flooding will need to covered through additional riders such as earthquake insurance and flood insurance.
In addition, areas prone to wildfires have found it difficult to get coverage and even to renew existing policies. At Eugene C Yates Insurance Agency we have an alternative to help you if you are unable to find coverage. We have helped homeowners in high brush areas obtain coverage through the California FAIR Plan and Differences in Conditions insurance.
If you are currently in an area where you are having trouble finding coverage please give us a call today. One of our wonderful agents can help you look through the available options and get you the home insurance coverage you need. Call us today at 916 313 6100
What Does Home Insurance Sacramento CA Cover?
In a standard home insurance Sacramento CA policy there are four essential coverages:
Dwelling coverage:
Dwelling coverage is designed to protect the structure of your home in the event it needs to be repaired or rebuilt. Common covered perils may be fire, smoke, hail, wind, hurricanes, lightening, theft and vandalism. A standard homeowners insurance policy may also cover structures not attached to the home such as gazebos, sheds and fences.
Personal belongings coverage:
Personal belongings coverage is the portion of your homeowners insurance coverage that will protect items within the home such as electronics, furniture, appliances, clothing and more. Some home insurance policies may even have off-premises coverage which will help to cover your property wherever you are in the world. Trees and plants may also be covered up to a small limit.
Liability coverage:
The liability coverage within your home insurance policy will help to cover you against lawsuits if someone is hurt or injured on your property. It can help to pay for defending the homeowner and any court awards if you are sued.
Additional living expenses coverage:
Loss of use coverage, better known as additional living expenses or ALE coverage will pay additional costs of living if you are unable to stay in the property. It can also help with lost rental income if a tenant is unable to live at your property. Additional living expenses will cover meals out, hotel stays and more while your home is being rebuilt or repaired.
Types of Homeowners Insurance Sacramento CA Policies
There are different types of home insurance Sacramento CA. Please keep in mind there isn’t one homeowners insurance policy that will be a proper fit for all homeowners. There are various factors that will help an insurance provider to determine the rate you end up paying.
The most common homeowners insurance policy is an HO-3. This policy will provide protection for the structure of the home, your personal belongings, and liability coverage. It will also cover a very broad number of perils such as:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or civil commotion
- Damage caused by aircraft
- Damage caused by vehicles
- Smoke
- Vandalism or malicious mischief
- Theft
- Volcanic eruption
- Falling object
- Weight of ice, snow or sleet
- Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance
- Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
- Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance
- Sudden and accidental damage from artificially generated electrical current
(According to the Insurance Information Institute https://www.iii.org/)
Home Insurance Sacramento CA Quote
If you have additional questions about homeowners insurance or would like a free custom home insurance quote, please give us a call today at 916 313 6100