Homeowners Insurance through
Competitive, A rated Insurance Companies

A homeowner's policy is a package designed to cover the structure and its contents, your loss of use in the event of a loss, and liability coverage in the event you are sued for an injury which occurs on your property.

Our Homeowners policies provide coverage for your dwelling and other structures on the property and for your contents for many perils including fire, theft, vandalism, wind and lightning on a replacement cost basis, subject to certain qualifying conditions and limitations.  This means the insurance company pays the actual amount necessary to replace the property at loss, not depreciated value.

Loss of use is included on all homeowner policies and compensates an insured after a loss for temporary living expenses.  For example, you may have to rent for a period of time after a fire while your home is being rebuilt.  In addition, you may need to purchase new clothes, housewares, and other items necessary.

Liability coverage is include on all homeowner policies and is available at optional limits of $100,000, $300,000, and $500,000.  This will protect you if someone were to sue after claiming they were injured on your property.   Our policies also offer animal liability.  This protection is important if you own an animal such as a dog since someone could claim that they were bit and injured by your dog.

We also offer various optional coverages such as backup of sewers and drains, personal injury liability, increased coverage for business property and jewelry if needed.  We can help you tailor a policy to meet your individual needs.

Find out how Golden State West Insurance Services can meet your individual insurance needs.  Fill out our no-obligation Quote Form, or call us now.

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