Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Insurance for Homeowners Throughout California
A home is a staple in any family’s life. It is where you can retire after a long day at work, cultivate ideas or build a family. This is why it is so important to keep your home safe and protected with a reliable home insurance policy.
The insurance professionals at Cameo Insurance Services are ready to answer any questions you have about your home or the insurance protection you need. We will help evaluate your risks and find a policy suited for your needs and budget.
What Does Home Insurance Cover?
A basic home insurance policy covers four main areas:
Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.
Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs.
Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more.
How Many Home Insurance Claims are Too Many?
There is no set rule to how many insurance claims you can file on your home insurance policy. However, if you file more than one claim in a three to five-year period, it may raise some flags with your insurer. The more claims you file can also cause your home insurance rates to go up.
Protect Your Home Today
Protect your home with a reliable policy at a competitive price from Cameo Insurance Services. Call us at 310-677-8199 or fill out an online quote form to get started today.
Common Homeowners Insurance Questions
How Far in Advance Can I Buy Home Insurance?
You should generally purchase home insurance before you ever step foot in your new home. By the time you sign, you should have a home insurance policy in place to protect your home and everything in it.
How Much Does Home Insurance Cost?
Home insurance premiums depend on your location, value of your home, coverage limits, deductibles, credit score and other factors. Fill out a
to find out how much you can save on home insurance.
Why is Home Insurance Important?
No matter where you live, home insurance is crucial for protecting your home and family in cases of accidents and lawsuits. Without it, you could face expenses for repairs and rebuilding out of pocket.