Homeowners Insurance

Homeowners insurance is generally required when purchasing a home to close escrow and based on your coverage it could cover a loss for actual cash value or replacement cost value (what it cost to build structure or replace damage based on current market value).

Homeowners insurance policies generally cover destruction and damage to a residence’s interior and exterior, the loss or theft of possessions, and personal liability for harm to others.
Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.
Policy rates are largely determined by the insurer’s risk that you’ll file a claim; they assess this risk based on past claim history associated with the home, the neighborhood, and the home’s condition.
In shopping for a policy, get quotes from at least five companies, and definitely check with any insurer you already work with—current clients often get better deals.

Get A Home Insurance Quote

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10% OFF TAX PREPARATION CODE: MCG2024