Homeowners insurance protects your most valuable asset — your home – in the event of damage from fire, windstorm or other covered causes of loss. It also protects you from unforeseen legal costs if someone accuses you, your relatives who reside with you, or your pets of causing injury or damage, even if you aren’t found legally responsible.
In addition to coverage for your residence itself, Homeowners policies also cover your personal property. And when it comes to your belongings, they are often worth much more than you think – which means that replacing them in the case of damage or theft might cost more than you think, as well. Most Homeowners policies can be expanded to include replacement cost insurance for your valuable possessions.
Pacific Unified Insurance offers a range of coverage options. Policies may include:
- Coverage for damage to your home’s physical structure
- Coverage for damage to other private structures, such as sheds or garages located on your property
- Coverage for your personal property on a replacement cost basis
- Coverage for valuable items such as artwork, jewelry and collectibles
- The cost of temporary living expenses if your home is uninhabitable after a covered loss
- Your personal liability if someone else sustains an injury or their property is damaged while they’re on your property, including legal expenses
When it comes to protecting your home and your belongings, avoid the cookie-cutter, one-size-fits-all approach.