Homeowner Insurance in San Diego, CA

Homeowners Insurance is a policy that protects a homeowner against losses and damages to a structure as well as assets inside the home. Homeowner’s insurance could also provide coverage against accidents in the property.

Different factors determine how a homeowner’s policy fit an individual. Based on these factors insurance plans are categorized as Open Perils and Named Perils Coverage.

  • Open Perils typically covered by property insurance include damage caused by fire, smoke, wind, hail, weight of ice and snow, lightning, theft and like.
  • Named Perils coverage provides protection for all reasons of loss specifically included in the policy.

Property insurance plans usually do not cover water damage caused by floods, tsunamis, drain backups, sewer backups, standing water and many other water sources, mold and earthquake. These are examples of Named Perils.

How We Can Help

Your home is your most valuable investment. When your mortgage is processed, the lender requires insurance for the property. Here is where our expertise could help you:

  • Deciding on the type of policy you need based on your geographical area and most relevant coverage.
  • Choosing a policy that covers interior and exterior damage, loss or damage of personal belongings, and injury that arises while on the property.
  • What level of deductible (out of pocket share of costs) most suits you in relation to specific risk factors.
  • Helping you on understanding the liability limit (the maximum amount you could get in case of a loss)

Your San Diego Homeowners Insurance Experts

Regardless of where you live in San Diego county and what type of property you own, your trusted Altra Insurance Services agent will help you find not only the best homeowner insurance, but also car insurance San Diego at the most affordable rates possible. With the right home insurance policy for your house, condo, townhome, or apartment, you can sleep easy knowing that you are covered in the event of any fire, theft, vandalism, or any other covered event. Your home insurance also covers any injury that may happen on your property.

Because of the multitude of house Insurance policies in the marketplace, choosing a home insurance policy that is just right for you can be a daunting task. As your trusted insurance advisors, we will help you navigate through the complexities and nuances of choosing the right insurance for your house. We also offer renters, commercial, home, and motorcycle insurance. San Diego residents can call 619-474-6666 today for a free quote.