Homeowners Insurance Sacramento CA

Living in Sacramento California you face a variety of risks that could damage your home. In the Golden State we have threats such as wildfires, earthquakes, flooding and more. Eugene C Yates Insurance Agency has been helping California homeowners get great rates on home insurance since 1946. We know the risks you may face and how to safeguard your property in the most affordable way. 

Our agents have access to the top home insurance companies in the industry and firsthand knowledge of the best homeowners insurance discounts available. This makes it easy for us to find you the best rate, on the best coverage for your situation. 

How to Save on Homeowners Insurance

There are many homeowners insurance discounts to take advantage of. There are multi-policy, loyalty, and security system discounts to name a few. Below we go over a few of the more common home insurance discounts:

Multi-policy home insurance discount

If you have your auto insurance, boat insurance or another form of insurance with the same insurance provider, you may want to look into bundling your policies to save money on your premium. 

Newer home discount

Typically newer homes comes with less risk than an older home. Due to this home insurance companies are usually willing to give new homes a lower premium.

Loyalty home insurance discount

Once you have been with the same homeowners insurance company for a certain number of years you may be rewarded with a home insurance discount. 

Fire-sprinklers home insurance discount

Fire-sprinklers reduce the risk of a fire. In turn home insurance companies may make your homeowners insurance more affordable if you’re willing to take the steps necessary to reduce risk. 

Other protective devices that may get you a discount on homeowners insurance:

• Automatic water shut-off systems
• Smoke detectors and fire alarms
• Interior sprinkler systems
• Home security systems
• Smart or connected home technology

What is covered in your home insurance policy?

Depending on where you live and the risks common to the zip code you’re in will determine what is and isn’t covered under your home insurance policy. If you’re in a high brush area that is prone to wildfires, you may find it difficult to find a homeowners insurance policy. A standard homeowners insurance policy will cover the following:

• Theft
• Fire and smoke
• Windstorm or hail
• Falling objects
• Frozen plumbing
• Water damage

Different Forms of Property Insurance Coverage

You may have a different type of property and want coverage to safeguard your investment. At Eugene C Yates Insurance Agency we can help you with various forms of property insurance coverage. Below are a few more ways we can help to protect you:

• Renters Insurance
• Landlord Insurance
• Condo Insurance
• Mobile & Manufactured Home

Sacramento California Home Insurance

California is a beautiful place to live but it does come with risks that could potentially affect your home. Below we go over a few ways we can help you to protect your home:

• Dwelling coverage
• Personal property coverage
• Other structures
• Liability protection
• Guest medical protection
• Additional living expenses protection

If you would like a free homeowners insurance quote, please contact us today at 916 313 6100