English 
Español 
Insurance coverage for loss and damage to your home, including belongings such as furniture and clothing, could save you a lot of money and reduce stress in the future. There are different policies to choose from, such as full coverage. Below are some benefits of full-value insurance and reasons you should select this option.
Must-Have Options
Although every policy varies from provider to provider, most standard policies include dwelling, personal belongings, liability, and loss of use. Dwelling is one of the most essential, as it covers repair and rebuilding costs due to a covered peril. Personal belonging coverage applies to clothing, electronics, jewelry, home appliances, furniture, sports equipment, and more.
Liability is also essential because it covers the legal expenses when someone in your household is found responsible for damaging another person’s property. It’s not always available with typical coverage, which makes insurance for your home’s full value crucial.
If someone is injured on your property, you may be liable for his or her medical and financial setbacks. With full-value home insurance, guest medical expenses may be included. If someone is injured on your property, this will generally cover the medical expenses.
Saving Money Myth
Although you could reduce costs now, if you don’t choose full-value coverage and your property gets damaged, it could pose expensive risks later. Full-value home insurance provides vital protection, giving you enough liability and personal property coverage. If disasters occur and you don’t have the right insurance policy, you could lose the value of your home and have to settle for subpar repairs and maintenance, leading to more money disasters later on.
Protecting your assets and your most valuable possession—your home—is what you should never put at risk. Although you might save money on insurance premiums now, insufficient coverage could make those savings seem meaningless when accidents and significant damage occur.
Other Options
Insuring your property for non-standard coverage typically stands out with full-value options. For example, it should include cash payouts that are essential when your home is deemed a total loss. This plan should also include guaranteed home replacement, even when that amount exceeds current coverage limits.
Make sure to inquire about a deductible waiver, another benefit that typically comes with full-value coverage. This will prevent you from paying a deductible, regardless of the set amount in place.
Learning More Directly
Go over different policy options to decide what suits your needs and preferences, from the value of your home to your personal belongings, annual costs, and more. A reputable San Diego home insurance company can help you learn more about full-value coverage and give you quotes, whether via phone or online with a licensed agent. During these discussions, you can request information regarding full coverage and how it will apply to your property. The objective is to insure your home to full value and learn how it relates directly to your property.
No matter which type and amount of coverage you choose, make sure to buy your home insurance from a trustworthy, experienced provider. For reliable, affordable home insurance, San Diego homeowners know they can trust Altra Insurance Services. We also provide renters, commercial, motorcycle, and car insurance. National City residents can receive a free quote by calling one of our friendly agents today.