Homeowner Insurance
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Homeowner Insurance
Protect Your Biggest Investment!
Insurance that lets you rest easy
It’s not just a house, it’s your home and we understand that. With SAFECAL Insurance, you get customized coverage that’s designed to keep up with your life.
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Coverage with you in mind.
Safecal Insurance offers flexible, affordable insurance coverage to meet your unique needs. You’ll get protection for your home and property against common causes of loss such as:
- Fire or lightning insurance
- Windstorm and hail insurance
- Smoke damage insurance
- Vandalism and malicious mischief
- Weight of ice, snow, or sleet
Liability protection for your home
If someone makes a claim of injury or property damage against you or your covered family, everything you own could be in jeopardy. Your Safecal homeowners policy protects you in situations such as:
- Claims for injury to others on or off the premises
- Claims for property damage to others
- Liability defense costs
You may need extra protection for special needs beyond the coverage in your Safecal homeowners policy. You can increase your policy’s standard coverage limits for:
You can also choose from optional coverages to extend your protection such as:
Other Safecal Advantages
No matter what options you choose, these are some of the important extras you get – at no extra cost:
- Additional living expense when an insured loss makes your home uninhabitable
- Reasonable repair costs for necessary repairs to protect your property from further damage after a covered loss
- Fire department service charge to protect your property after a covered loss
You can save money and get more coverages with these Safecal features:
- Protective device credit – for burglar, smoke, and fire alarms
- Multiple policy discount – for Safecal homeowners polocy holders whose automobiles are also insured by Safecal
- New home credit – ask your friendly Safecal agent for details
- The Safecal Extra – bonus coverages you’ll receive automatically when you insure both your home and personal auto with Safecal
Home Insurance in Los Angeles
Buying a home is a major achievement, but now it is time to protect that investment. The hard truth is that life never stops being unpredictable, but insurance is an ideal way to keep you and your home protected in the face of the unexpected. With home insurance in Los Angeles through Safecal, you can cover your home for total peace of mind no matter what life throws at you.
What Is Home Insurance?
Home insurance, also called homeowner’s insurance, is a way to keep costs and liability to a minimum in the face of unexpected events. Becoming a homeowner is a major step in life and an achievement to be proud of, and home insurance is a way to ensure that your effort is not thwarted by accidents, weather, or anything else unexpected.
Types of Home Insurance
Insurance options for protecting your home are many, and you can choose from among the ones most important and relevant to your situation. By working with our Los Angeles insurance agents, you can find a policy that covers what you need, allowing you to enjoy your home with complete peace of mind, no matter what life brings your way. Below are some of the most common types of home coverage that clients seek out.
Dwelling Coverage
This coverage focuses on the home itself, the dwelling where you live. It focuses on coverage payments for repairing or replacing your house in the event of damage covered by your policy. From labor to material costs, an ideal policy will factor in all the costs it would take to keep your home in good shape when problems arise.
Other Structures
Our homes are more than just a single building. There can be many other structures on your property, such as fences or gazebos, to name a few. Coverage for other structures can be vital, especially if those structures are more vulnerable to damage.
Personal Property
This coverage focuses on what is in your house, i.e. your property. Natural disasters, burglars, and other surprises can often result in either damaged, lost, or stolen property. This coverage focuses on ensuring that you can get back the costs of what you have lost.
Liability Coverage
A lot can go on in or around a house. Liability coverage ensures that if anyone is accidentally injured or has possessions damagedwhile on your property, it covers legal action against you. This can include covering costs for judgments, settlements, and defense costs.
Medical Payments to Others
Similar to liability coverage, this offers protection for costs for injuries of non-household members on your property, regardless of fault.
Additional Living Expenses
This coverage focuses on providing you with coverage for costs of living expenses for periods when you cannot live at home (for example, while waiting for repairs from a covered event such as fire or storm damage).
Do I Need Home Insurance?
Even if accidents and troubles do not arise, insurance allows a homeowner to live in their dwelling with complete peace of mind. The right coverage policy allows you to face any events or unexpected circumstances with serenity and security. That is why we strongly recommend that any and all homeowners discover what coverage options are best for them to keep their home protected. Also, many banks require homeowner’s to have some manner of home insurance as part of the mortgage agreement.
To see what homeowner’s insurance plans are best for you, contact one of our agents today. We can fully evaluate your unique situations and explore your protection options, finding you a plan that keeps you safe against the unexcepted.
Contact an Agent Today
Safecal is here to match people in Los Angeles with the best insurance options to protect their investments and livelihoods. Our agents work closely with each client to learn about their needs and what they value to find your ideal insurance solution. If you are looking for home insurance in Los Angeles of any kind, then Safecal is here to help.Contact us today to get started.
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