In a state as diverse as California, the weather can change on a dime from sunny beach days to impending wildfire seasons. Home is where the heart is, but it’s also where protection should live permanently.
That’s where homeowners’ insurance comes in, shielding your most significant investment from life’s unexpected turns. Here’s a rundown of the four essential protections you get with your California homeowners’ policy, ensuring your dwelling is more of a sanctuary and less of a source of stress.
1. Property Coverage
Your home is more than a structure; you weave countless warm memories into the very fabric of its walls. Property coverage will help you in the face of perils like fire, theft, or windstorms. Your insurer will support you in repairing damage to your home and any other structures on your property, such as a detached garage or tool shed.
2. Liability Protection
You may love a fun gathering on your deck, but does your homeowners’ policy protect you if a neighbor gets hurt? Liability protection does. It covers legal defense fees and any awarded damages if someone sues you and holds you responsible for injuries or damages. It comes into effect whether these occurrences take place on or off your property. Liability protection keeps disasters from derailing your financial security anywhere from pet encounters to accidental fires.
3. Personal Belongings Coverage
How much are your possessions worth? California’s cost of living means the value of what homeowners possess can be considerable. This element of homeowners’ insurance protects your clothes, furniture, electronics, and more, even when you're traveling.
You can also cover high-ticket items with additional protection that you can add for belongings like photography or collectibles, ensuring your items are safe from unforeseen incidents.
4. Additional Living Expenses
If your home becomes uninhabitable due to an insured disaster, where will you go? To a hotel, perhaps, or even a temporary rental. The costs can pile up, and that's where coverage for additional living expenses steps in.
It helps with things like hotel bills, restaurant meals, and other costs beyond your typical living expenses while your home is undergoing repairs. ALE coverage ensures that your daily life can carry on as smoothly as possible in the wake of a disaster.
Review Your Policy Today
The value of peace of mind is priceless, and the inclusion of these four essential protections in a homeowners’ policy fortifies it. Now is the perfect time to review your California homeowners’ insurance. Connect with Saferoad Insurance to review your policy and ensure that your home is a place of comfort with long-term security.