When you are in the market for California homeowners insurance, there are many things you need to keep in mind. You have to get enough coverage to protect your home’s structure, all of your personal belongings, any medical expenses that are to be paid to someone who was injured on your property, and the cost of living somewhere else while your home is being repaired. A website has more in depth details on California Homeowners Insurance.
Your insurance agent will go over the vital information with you which will start with all the details that pertain to your home. You will need the square footage, number of rooms, the materials that the home is made of, the condition of the roof, and what the construction costs are in your area. The underwriters need to be able to figure out how much it would cost to rebuild this home if it were destroyed.
As far as your personal belongings go, you need to have a comprehensive list of everything that is in the house. This includes your clothing, furniture, electronics, computers, sound equipment, collectibles, and jewelry. You can take pictures or videos if it will help you but you should also make note of where you purchased the larger items and what you paid for them. You need to have some kind of a base if and when you have to replace these items.
In order to keep your liability for injuries to other people you should make sure that your yard is always kept up, that there are no children’s toys scattered around that someone could possibly trip over, there are no dips in the sidewalk or even on the grassy areas, and that you don’t have a dog that is on the high risk list. If you have a dog that has a history of biting the mailmen, there may be a rider put on your insurance that will exclude this type of incident from being covered.
In addition, you should make sure you know exactly what weather conditions are covered. Many times a hurricane might be covered but wind damage is not. Also find out ahead of time if structures that are not attached to your home are included in your coverage, such as a car port, unattached garage, or a shed. Knowing all these details in advance will save you a lot of grief later when it comes time to use your coverage.