SBC Insurance can help you with home insurance in Loyola CA, Menlo Park, Mountain View, Palo Alto, Stanford CA or Sunnyvale. They are an independent agency serving clients in California and other western states. They have access to several leading carriers and can match you with suitable personal insurance products. One the most important types of personal insurance is home insurance.
Home insurance covers your buildings and structures as well as certain assets in your home. A homeowner’s policy typically covers you for the most common types of risks. These include fire, domestic water damage, accidents, theft and liability claims. Certain events such as flood damage in not covered under a standard home insurance policy. You will need separate insurance for that. California is at risk of earthquakes and you want to be sure you are covered for such an event.
Another area of importance will be high-value items such as artwork and collections. Although home insurance covers your contents, there are limitations. Certain valuables will need to be covered separately by way of endorsements and riders.
Home insurance can also cover multiple homes. For example, if you have a primary home, a vacation home and a rental home, you can cover them all with the same carrier and get multiple policy discounts. SBC Insurance can also help you with coverage for rental properties and homes under construction.
When It comes to insurance, it is important to know what is covered and what is excluded. Home insurance will cover common perils but major disasters such as floods and earthquakes will not be covered. You will need supplemental insurance to cover you for certain events. There also limits to the amount an insurance policy will pay out.
SBC Insurance can help you with custom home insurance that will cover your real risks and for replacement value.