Homeowners Insurance
Homeowners Insurance Quote Forms
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Homeowners Insurance Information
If you’re using a mortgage lender to buy your home, you’ll need homeowners insurance. Homeowners insurance, also called home insurance, can protect the investment you have in your property. It can also protect you and your family from personal liability claims if you cause property damage or bodily injury to a third party.
Contact Muzio & Rovero Insurance Services Inc. in Sausalito, California, to learn more about our homeowners insurance coverage and to speak to a homeowners insurance agent.
How Much Homeowners Insurance Do I Need?
Home insurance is known as a package policy because it can reimburse you for damage to your property and possessions, as well as help pay for personal liability claims. The following are some common coverages included in home insurance policies:
- Personal liability coverage can cover costs (e.g., medical bills, lost wages) associated with allegations that you or your family caused third-party property damage or bodily injury.
- Dwelling coverage can pay for structural damage to your property due to a covered peril.
- Other structures coverage can cover costs associated with damage to detached structures on your property from a covered peril.
- Personal property coverage can pay for damaged or destroyed personal possessions from covered losses.
- Additional living expenses can cover your living expenses (e.g., meals, hotel stays) if you have to move out of your home temporarily.
To ensure you have sufficient protection, it’s often recommended that you purchase enough home insurance coverage to rebuild your home and replace all of your possessions if they are destroyed or damaged beyond repair.
Call Muzio & Rovero Insurance Services to learn more about our homeowners insurance policies.
How Do Homeowners Insurance Deductibles Work?
Your home insurance deductible is the amount you’ll have to pay out of pocket before your home insurance kicks in. You will pay your deductible before your insurance company pays its part. Therefore, if the amount of damage is less than your deductible amount, you will front the entire cost of the damages. Home insurance deductibles typically operate on a per-claim basis, meaning you will have to pay your deductible on every claim you submit.
How Many Homeowners Insurance Claims Can I Submit Per Year?
There is typically no limit to the number of home insurance claims you can file annually. But filing multiple claims over a short period could cause your rates to rise. It could also increase your chances of having your policy canceled by your insurance company.
Contact Muzio & Rovero Insurance Services for more information.
How Far in Advance Can I Buy Homeowners Insurance?
It’s generally considered a good idea to begin shopping for homeowners insurance after signing a home contract. Often, you will have one or two months before closing to shop around and compare homeowners insurance quotes. This should give you plenty of time to find the right home insurance policy and make your first payment before closing.
How Do I Get Homeowners Insurance?
Home insurance is just a few clicks away. Contact Muzio & Rovero Insurance Services to learn more about our home insurance coverage and to get a homeowners insurance quote.
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