SBC Insurance is an accredited agency providing home insurance in Los Altos, Menlo Park, Mountain View, Palo Alto, Stanford CA and Sunnyvale. It does not matter whether you own a free-standing home, a condo or an apartment, they can help you with proper home insurance. They can also help you with supplemental home insurance such as earthquake insurance and flood insurance.
Your homeowner’s insurance will cover your buildings and structures as well as content. You may well have detached structures on your property such as a tool shed, a patio, swimming pool and entertainment area. You want to be sure detached structures are also covered. Maybe you have an expensive landscape design and installation with water features, walkways, rock formations and so on. You should check that such home improvement assets are covered.
Home insurance should also cover your personal liabilities. Should someone get hurt while on your property you may well be held liable for related expenses such as medical expenses. If your kid kicks a ball through your neighbor’s window or your dog bites a visitor, you could be sued for damages. Liability insurance will cover you in the event of 3rd party claims.
Content insurance is an important part of home insurance. It covers assets such as furniture and fittings, carpets, widow curtains, blinds and drapes, household appliances, equipment, clothes and more. If you own high-value items such as artwork, jewelry or rare collections, you will need separate insurance or an endorsement on your policy.
Home insurance does not cover all events and risks. Floods and earthquakes are notable examples. SBC Insurance can help you with the right supplemental insurance to cover your real risks. That way you can have peace of mind that your home insurance does not have risky gaps.