Home Insurance Basics ConXis Insurance Services2018-12-19T23:49:40+00:00
At ConXis Insurance Services we know that finding the right California homeowner’s insurance isn’t always easy. Our expert and professional agents understand this and are here to help. At Conxis Insurance Services we can help you secure the most affordable and efficient California Homeowner’s Insurance . We will take the time to truly understand your individual insurance needs and build the perfect policy that addresses your unique situation. Homeowners Insurance in California and Texas are similar and we can find a solution for you
As a top independent insurance broker, we have the ability to shop multiple carriers for both California Home Insurance, and we have the knowledge and experience to get you the best possible California Home insurance .
We offer coverage packages for California Homeowners Insurance that can include protection for the following:
Structure- This policy pays to repair or rebuild a home if it is damaged or destroyed by fire, hurricane, hail, lightning or named incidents listed in the policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. Very important that you keep normal maintenance of the property. Most policies also cover structures that are not attached to a house such as a garage, tool shed or gazebo.
Personal Belongings – Coverage for personal belonging includes furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Most companies in California Homeowner’s insurance policy offer 50% to 70% amount of insurance on the structure of a home. This also includes off-premises coverage. Which means that belongings are covered anywhere in the world, unless the policyholder has decided against off-premises coverage. Expensive items like jewelry, furs and silverware are covered, but there are usually dollar limits if they are stolen. To insure these items to their full value, individuals can purchase a special personal property endorsement or floater and insure the item for its appraised value. This generally will require an appraisal.
Trees, plants and shrubs are also covered under California Homeowners Insurance Policy generally up to about $500 per item. Perils covered are theft, fire, lightning, explosion, vandalism, riot and even falling aircraft. Plants are not covered for damage by wind or disease.
Liability – Liability covers against lawsuits for bodily injury or property damage that policyholders or family members cause to other people. It also pays for damage caused by pets. The California Homeowner’s Insurance policy pays for both the cost of defending the policyholder in court and any court awards—up to the limit of the policy. Coverage is not just in the home but extends to anywhere in the world. Liability limits generally start at about $100,000. * Note there are often times are exclusions for exotic pets and dogs ie. pit bulls, dobermans etc. Make sure you fully disclose all of your pets!
Additional Living Expenses – This covers the additional costs of living away from home if a house is inhabitable due to damage from a fire, storm or other insured disaster. It covers hotel bills, restaurant meals and other living expenses incurred while the home is being rebuilt. Coverage for additional living expenses differs from company to company. Coverage usually ranges in time period for example “reasonable expenses ” for 24 months or in other cases a designated dollar amount.