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California homeowners with home insurance coverage

Home Insurance

Home Insurance

If you own a home in California, you know the danger that natural disasters pose to your abode. Home insurance from Sunny Day Insurance Agency, Inc. can protect you from hazards that threaten to damage or destroy all that you own. Here’s how home insurance can benefit you as a homeowner.

Protects Your Dwelling and Valuables

A standard home insurance policy in California offers the following protection for your dwelling and valuables:

  • Dwelling – Dwelling insurance protects your home’s structure from its foundation to roof, walls, cabinets, and built-in appliances. It also covers attached structures to your home like a garage, deck, or patio. A standard policy will protect you against theft, fire, windstorms, rainstorms, lightning strikes, vandalism, and other perils. The ideal dwelling coverage is that which covers the cost of rebuilding your home if a disaster destroys it.
  • Other Structures - If there are other buildings on your property that aren’t attached to your home like a gazebo or shed, these can be protected under other structures coverage.
  • Property – Property coverage protects your belongings. If you lose your valuables in a covered peril, property insurance will compensate you for your loss. Actual cash value protection pays for the value of your goods minus depreciation. Replacement cost protection pays to replace your goods outright, minus your deductible.

Standard homeowner’s insurance in California doesn’t cover damage caused by earthquakes or flooding. You can, however, obtain this protection by purchasing separate earthquake and flood policies.

Protects You against Liability Claims

If someone were to get injured while visiting your home, you could be held responsible for paying their medical costs. A serious accident could result in yourself being sued for damages. Liability insurance protects you against liability claims and lawsuits, so you don’t suffer financial loss.

Home insurance provides financial protection to help you recover quicker from unforeseen disasters. To purchase a policy for your California home, contact Sunny Day Insurance Agency, Inc. of California.

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