Home Insurance

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 Turlock 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.

Find Out: 10 Tips For Saving On Your Homeowner Insurance!

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.

Condo or HOA Inspection

Just Like Your Other Insurance Policies

One thing to consider when purchasing insurance, it is similar to how you purchase a car, a phone, or anything else you rely on in your life.  You consider the options and go over what you need vs. what you want.  Then once you’ve found what you truly are looking for you go out to find the right price.  Similar to looking for the right vehicle, once you’ve identified the vehicle with the options you must have (or “need”) then you find the BEST price.

At GDI Insurance Agency, Inc., we do just that.  We help you to discern what your needs and wants are in terms of protection and then we find you the BEST price available.  Contact us today by filling out the form on this page or give us a call at 209-634-2929. Located in Turlock, CA, we service all of California’s Auto Insurance needs.

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.

Additional Considerations

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.

Vacant Property

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.

    Annual Policy Reviews – What are We Talking About?

    Every year at about a couple months before your policy renews with GDI, we will reach out to you to review your policies prior to their renewal so that we can ensure that you are STILL with the Right Insurance Company, with the Right Coverage, and paying the Right Price.

    If you decide you’d like to be quoted with other Insurance Companies you can quickly schedule a time for an in-depth market review where our team will re-quote your policies and provide you with the options so you can make the best decision possible.

    Protect What Matters Most With Our Personal Insurance Policies

    The GDI team has developed an “insurance cost reduction” quoting plan, that provides you with the best coverage at the best rate! Contact us at 1-209-634-2929 learn more about all of our personal risk management solutions for your home, auto and life.

    If You Think This Sounds Too Good To Be True, Here Is What Just A Few Of Our Clients Have To Say about their Insurance:

    Always Receive Great Service!

    “ Always receive great service from this insurance company. Every year they reach out to go over the policy to ensure we are getting the best deal available that suits our needs.

    -Louis Barroso

    Our family's insurance

    “GDI insurance has been our family’s insurance agent for 15 plus years. They have always taken special care and made sure we had the best coverage for the lowest price.”

    – Ruby Oliveria

    GDI Insurance Agency, Inc. Your Trusted Insurance Experts

    GDI Insurance Agency, Inc.

    As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more. The GDI team has developed an “insurance cost reduction” quoting plan, that provides you with the best coverage at the best rate! 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.