California Homeowners Insurance
Whether you own a house, condominium or townhouse, for most people their home is their most important investment. GDI Insurance Agency offers home insurance policies that have flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe. Get your homeowner insurance quote today and save more when you bundle with your auto insurance.
All California homeowners insurance is not created equal. In fact, almost none of it is. There are thousands of different products out there, from hundreds of insurance companies. How do you find the insurance and the insurance company that are best for you? You read this special report and tap into our vast knowledge of the products and the companies that offer them.
Did you know you could save more by Bundling your other insurance policies, including Auto Insurance with your Homeowners Insurance? Ask GDI How!
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Home Insurance is one of the most popular and important forms of Personal Insurance and the typical Homeowners Insurance policy has two main sections:
Section I – insurance coverage for YOUR Property
Section II – Personal Liability coverage (to cover you in case of lawsuits arising from things that happen on your property, by your children, etc.)
Homeowners insurance is often required by lenders to obtain a mortgage and nearly everyone, whether you own or lease property, should have the protection of homeowners insurance.
All you have to do is give us a call at 209-634-2929 or fill out the online quote request form. We will get you quotes from 34 different insurance companies in as little as 10 minutes.
Our office if full of happy friendly insurance brokers who know how to get you the right coverage for the lowest possible premium.
Here is a review of the standard Home Owners Insurance Coverage:
A standard Homeowners Insurance policy insures the home itself and the things you keep in it. It is typically a package policy, which means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. Let’s take a look at each home insurance coverage part in more detail:
Part l: Property Protection
Dwelling: This offers protection as a result of damage to the structure of your home including fixtures, plumbing and heating due to a covered loss, such as fire or hail storm damage. It does not cover the normal wear and tear of your home or maintenance-related problems. You need enough coverage for the cost of rebuilding or repairing your home, less the cost of the land. Determining this new replacement can be somewhat complex, but we can assist with this process.
Other Structures:This includes coverage for detached structures, such as a garage, garden shed, and fixtures attached to land such as a driveway, sidewalks, patio, fence, swimming pool, etc.
Personal Property:This covers the contents and personal items in your home such as furniture, clothing, sporting goods, etc. This also extends to your personal belongings anywhere in the world. To determine your property’s value, we’ll provide you with a home inventory checklist to help you quickly and easily itemize your belongings.
We recommend insuring your personal property for its Replacement Cost Value. The longer you own your belongings the less value they hold. Replacement Cost Value ensures that you can replace yesterday’s purchases at today’s prices.
Loss of Use:In the event that a covered loss forces you from your home, such as a fire, Loss of Use provides a safety net for additional expenses over and above your normal living expenses while you are unable to live in your home, up to the policy limit.
Part ll: Liability to Others
The Liability to Others portion of your home insurance policy covers you against lawsuits for bodily injury or property damage that you or family members may cause to other people. It pays for both the cost of litigation and any court awards, up to the limit of your policy. It also covers you at home or away.
In the event that a visitor is injured in your home, Medical Payments coverage allows the person to submit medical bills directly to your insurance company. The benefit is that expenses are paid to the injured person, up to the policy limit, without a liability claim being filed against you.
What about disasters?
Damage caused by most disasters is covered in a standard Homeowners policy, but floods and earthquakes are excluded. Upon request, we can provide coverage information about each.
If your home is left vacant due to a move or new construction, you are vulnerable to claims for loss from vandalism and other mishaps. Please check with our agency to learn more about the coverage options available.
GDI Insurance Agency, Inc. Your Trusted Insurance Broker!
We specialize in providing Homeowners Insurance solutions so you can get back to the business of living, knowing one of your largest assets is protected. Contact us at 1-209-634-2929 learn more about all of our personal risk management solutions for your home, auto and life.
GDI Insurance Agency Inc. gives you home insurance quotes from dozens of companies to get you the BEST RATES POSSIBLE. Turlock, Modesto, Hilmar, Denair, Merced, Patterson, Gustine, Newman, Ceres, Oakdale Homeowners can get instant quotes from dozens of companies right now by calling GDI Insurance Agency at 209-634-2929 or by completing the Quote Request Form provided.
Just fill out the form above and we’ll get right on the task of providing you with the quote.