Buying a home is certainly one of the largest investments in your life. As such, protecting this investment is of utmost importance. While many understand this, not everyone knows exactly what home insurance covers. Below are some of the top reasons you should get a home ownership policy from your local San Diego insurance agent.
One of the main fears of people owning homes in San Diego is fire. Whether you are dealing with a wildfire, an electrical fire, or a kitchen fire, the damage could be severe. In 2015 there were almost 1.5 million fires in the United States which led to more than $14 billion in property damage. Business insurance in San Diego could also help cover your commercial property in case of fire.
Another reason for home insurance is theft. There are nearly one million home burglaries in the U.S. every year, and if you happen to be one of the unlucky victims of this crime you will want to be sure that you have the right San Diego insurance policy to cover your losses.
Similar to theft, the crime of vandalism is something of concern to homeowners. You take a lot of pride in your house and spend a lot of time making it look nice. The last thing you want is to have someone damage your home and not be able to pay for the repairs. Homeowners insurance can cover the damages.
Natural disasters can cause major damage to property, and in San Diego there is also the threat of mudslides and earthquakes. Having the right homeowners insurance policy not only covers the cost of repairs to damages your home incurs, it also could pay for the costs of putting you in a hotel if your home becomes uninhabitable. Be sure to speak with your agent if you hope to have coverage in case of earthquakes, mudslides, and landslides, as many standard homeowners insurance policies do not cover these events.
If you have would like information about obtaining homeowners insurance or have questions about an existing homeowners insurance policy and would like to add coverage, reach out to Jose Aroeste, an experienced agent knowledgeable of homeowners and commercial insurance in San Diego. Call his office today to schedule an appointment or get answers to any and all questions you may have. (858) 748-9383