Buying insurance for your home or dwelling can be confusing. That’s because there are so many choices, depending on your living situation and specific needs. A professional insurance agent can best help you to navigate the process of choosing what’s best for you, but it’s a good idea to understand the basics. Take a look below to discover some of the types of home insurance services in Valencia, CA, you may need.
Property Insurance
This type of insurance covers different kinds of damage that may occur to your home. Things like fire, vandalism, hail, vehicle collision and sewer drain backup often fall under this type of policy.
Homeowners Liability
Liability insurance helps to cover costs and protect your assets in the event that someone is injured on your property. It can cover court costs if you’re sued, medical bills and property damage claims.
Renters Insurance
For those who don’t own their own home but who still want to be protected from loss, there’s renters insurance. This type of policy can cover the costs of replacing your possessions in the case that they are damaged due to a covered event or stolen in your home. Liability coverage can also be included in some renters insurance policies.
Scheduled Property Insurance
If you have valuables that go above and beyond what’s included in your basic property insurance, you may wish to consider scheduled property insurance. This type of policy covers things like cameras, artwork, computers, firearms and collectibles.
There are also insurance policies for specific types of dwellings like mobile homes and condos. Talk to an insurance professional about the specific home insurance services in Valencia, CA, you may need.
For more information, visit Heitz Insurance Agency at www.heitzinsurance.com.
