☰ ˟
Muzio & Rovero Insurance Services, Inc
Get More Information 415-388-2096
  • Our Agency
    • Home Page
    • AboutImage of right arrow
      • Our Staff
      • Our Locations
    • Get A Quote
    • Our Providers
    • Contact UsImage of right arrow
      • Muzio and Rovero Insurance Services
    • Tax Season FAQs
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
      • SR-22 Insurance
    • Home InsuranceImage of right arrow
      • Earthquake Insurance
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Pet Insurance
      • Identity Theft
      • Personal Umbrella Insurance
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
    • Cyber Liability
    • Data Breach
    • Workers Compensation
    • Coverage for Specific IndustriesImage of right arrow
      • Vineyard Insurance
      • Accounting Firm Insurance
      • Builders Risk Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Convenience Store and Gas Station Insurance
      • Educational Facility Insurance
      • Funeral Home Insurance
      • Landscaping Insurance
      • Law Firm Insurance
      • Livestock Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • Rideshare Insurance
    • Coverage for Your BusinessImage of right arrow
      • Leave Management
      • Loss Control Insurance
      • Marine Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Inland Marine Insurance
      • Workers Compensation
      • Professional Liability
      • Bonds
      • Fidelity Bonds
      • Surety Bonds
  • Contact Us
    • Contact Us
    • Muzio and Rovero Insurance Services
    • Location & Hours
    • Get A Quote
  • Blog
    • Blog
    • Tips to Stay Safe This Summer
    • Tips to Handle Stress
    • Tips for Being a Responsible Pet Owner
Logo
Insurance to meet your needs.
Business Home Auto Workers Comp Umbrella
Home > Products > Homeowners Insurance - Mill Valley CA & San Rafael CA

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Quote Form

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.  


 

Related Products:
Earthquake Concept tilted model of home on cracked pavementEarthquake Insurance
Red car in driveway of a blue houseProperty Insurance
Sidewalk in front of several nice houses in a suburban neighborhoodHomeowners Liability

Connect with us

Social Social Social

Check us out

One harbor Drive, Suite 300
Sausalito, CA 94965

Fill out the form below to get started with an insurance quote

© Copyright. All rights reserved.
Powered by Insurance Website Builder