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Homeowners Insurance Information
Homeowners Insurance in California
Serving Simi Valley, Los Angeles, Rancho Cucamonga, Oxnard, and the surrounding area.
Combining your home and auto insurance policies with a single insurer can help you safe money on crucial coverage. Your lifestyle is your own and is unique to you, meaning that your insurance needs may vary compared to your neighbors.
As an independent agency serving Simi Valley, California and surrounding areas, Tailored Werks will offer you the right coverage and resources to insure your home and vehicle. With relationships with various top agencies, we are dedicated to providing you with the best coverage for your coverage needs.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This 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. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
What Does Homeowners Insurance Cover?
A home is not only a haven, but an investment. It is somewhere you go to at the end of a long day to relax or spend time with your family. Instead of worrying about damages to your home being too expensive to fix, find a home insurance policy that includes coverage such as:
Dwelling: Dwelling coverage compensates the homeowner for damage or loss of the physical home due to fire, wind, hail, vandalism and more.
Other Structures: Other structures covers structures on the property that are not attached to the home, such as unattached garages and sheds.
Contents: Contents coverage protects your personal items concerning loss to the same perils that are covered under dwelling insurance, plus theft.
Personal Liability: Personal liability helps if you or a family member causes bodily injury or property damage to someone else.
Does Homeowners Insurance Cover Damages from Pets?
Homeowners insurance may cover some pet damage, but not damage caused by your own pets. If your dog chews up your clothes, for example, you will not be covered for these damages under home insurance.
How Often Can You Renew or Change Homeowners Insurance?
You can review your home insurance policy at any time. It is generally recommended that you review it each year or any time you notice a drastic change in your home insurance premiums.
Insure with Tailored Werks
Protect your home and vehicle with a reliable, affordable bundled policy through Tailored Werks. Get started today by calling us at (805) 558-8437 or fill out a quote form now.