Homeowners, Condominium, and Tenants

Helping you understand your choices in Homeowners insurance will allow you to make sure you are protected for your property or injury to your home, property, family, and visitors. There are many options available to you to ensure you are adequately protected.

• Dwelling Coverage: Coverage for your dwelling due to loss caused by a covered peril. These include but are not limited to fire, smoke, and water damage.
• Detached Structures: Automatically included at 10% of dwelling coverage with options to increase as needed for structures not attached to your dwelling. These structures include swimming pools, fences, concrete areas, and other non-inhabited structures located on your property.
• Personal Property: Pays for damage to your personal property in the event of a covered loss.
• Loss of Use: Pays for additional living expenses over and above your normal expenses should you need to leave your home due to a covered loss or mandatory evacuation.
• Personal Liability: Pays for damages or bodily injury due to a covered event.

There are other coverages and features that are included at no additional cost. These include:

• Higher limits of liability for Coverage C when Personal Property Replacement cost is purchased.
• Extended replacement cost for dwelling up to 200% is includedⁱⁱⁱ.
• Personal Injury Coverage
• 10% Limit for Ordinance and Law coverage, and the ability to buy additional coverage.
• Special limits of liability for items such as jewelry, silver, money, and firearms with options for increased amounts.
• Limited coverage for Loss Assessment.
• The ease of online bill payments that accept ALL major credit cards and electronic checks.

Additional optional coverages are also available for purchase. Some of these include:

• Personal Property Replacement Cost
• Scheduled Personal Property
• Extension of liability to secondary or rental properties.
• Identity Fraud Expenses
• Watercraft Liability offered, subject to eligibility guidelines.
• Water Back up
• Refrigerated Property
• Loss Assessments: Covers the assessment that is levied upon condominium unit owners by community HOA.

Dwelling Fire

The Dwelling Fire product is similar to our homeowners insurance except coverage is provided on more of an a la carte basis. Typically, this product is used to provide coverage to structures that are rented to others and therefore do not require all the coverages a Homeowners policy offers. This can mean substantial savings in the end.

• Comprehensive coverage options for your income rental properties up to four (4) family units.
• Optional coverages include Personal Liability, Personal Injury, Extended Replacement, Ordinance & Law, Personal Property used by your tenants and more.

Umbrella

All of us are liable for our actions and decisions and when something goes wrong sometimes your homeowners or automobile insurance is just not enough. This is where an Umbrella policy can help protect the assets you have spent years and decades to accumulate. An Umbrella policy provides an extra layer of protection for Bodily Injury, Personal Injury, and Property Damage to others.

• Provides financial security of having an excess liability policy of at least $1,000,000 in addition to your current liability coverage selection for Automobile, Homeowners, and Rental Properties.
• Highly competitive rates for superior coverage. Example Rate: $165* – 2 Vehicles, 1 Property in Los Angeles County. *Rates may vary.

ⁱ Custom Equipment - aftermarket add-ons permanently installed on the vehicle are not meant to be covered unless they are declared on the Customizing Equipment endorsement and it has been added to the policy.

ⁱⁱ Provides protection to help cover the gap between what is owed on a vehicle and the value of it at the time it is considered a total loss.

ⁱⁱⁱ Certain conditions have to be met in order to receive.