Homeowners Insurance

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Homeowners Insurance Information

Homeowner Insurance Calabasas, Agoura Hills, Woodland Hills, Los Angeles and all of California

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Your home is important to you. That is why Gary Warner Insurance Agency wants you to have the best California homeowner insurance available!

Your home is your refuge. It is a place you can relax after work, and a place to visit with friends. It can serve as party central the day of the big game, and it is a place where your family can play and grow together. That is why California homeowner insurance is an important insurance policy for every person to have.  Getting you the best homeowner insurance rates is what we do for you.

With a typical CA homeowner insurance policy from Gary Warner Insurance Agency, you can cover the following aspects of your home:

  • Destruction and damage done to your home and other structures on your property. This also includes fences, sheds and garages.
  • Personal property coverage for items such as your furniture, appliances, and other items. Most California home insurance policies will cover property up to a certain dollar amount in case of destruction or theft.
  • CA home insurance may also cover your living expenses for a different place to live if your home is unlivable due to a disaster. This is often capped at a percentage of based on your home insurance coverage amount.

In addition to these types of coverage, home insurance policies often also include provisions to protect both liability issues and medical payments in the unfortunate event that you or a guest is injured on your property.

Information to Know About Your California Home Insurance:

Are items stolen from my car covered by my home insurance policy?

If you have personal items stolen from your car your homeowner insurance policy will cover them. You will have a separate deductible from your auto insurance policy.

Homeowner insurance policies do have limitations for certain categories of personal property like jewelry, art and even sporting goods equipment. So check your policy to see if you have limitations and whether you need to cover these items separately with a personal articles floater policy.

Does homeowners insurance cover theft away from home?

Your homeowner insurance policy will cover theft of items away from home. If you are remodeling or using a storage unit, typically only 10% of your personal property coverage limit, listed on your policy is covered away from the home.

Don't forget to ask about adding Flood and Earthquake insurance to your policy.

If you are interested in California home insurance, or would like help determining your home insurance needs, call Gary Warner Insurance Agency today at 818.706.8625!