Home Insurance

Morning Star Agency Insurance Services works with both home owners and renters to give them the best home insurance services at the lowest rates. We are an independent agency, so we work with many great providers to find you best coverage at the lowest rates for your house, condo or mobile home. We specialize in serving southern Orange County including Irvine, Mission Viejo and Tustin. If you live here, we want to protect the place you call home.
 
When you purchase a home, it is one of the biggest investments you will make in your life. That is why having the right homeowner's insurance policy is so important. It’s a small investment to not only give you peace of mind, but if something were to happen to damage your home the insurance would help pay for the damages you might otherwise be responsible for. Home insurance covers the structure of your home and the property around it. The insurance will also cover you against damage caused by wind, fire and lightning. It will not cover you against earthquakes and floods, however, we can help you find a separate policy to cover against those natural disasters. Each home is different so we can tailor the amount of coverage that your home needs and let you know if you are in a high risk zone and need the coverage.
 
If you own a condo, your insurance needs are different than a typical homeowner’s policy. While your condo association is responsible for common areas and the physical structure of the building, they are not responsible for what is inside your condo. Condo insurance will cover damages to most of your personal belongings as well as walls, floors, and ceiling. You will be protected from damage caused by fires, plumbing issues, or vandalism. Our condo insurance policies are designed specifically for condo owners so you don’t have to worry about paying too much for unnecessary coverage that a typical homeowner's policy may have.
 
Our mobile home insurance policies, just like our condo insurance policies are customized to the needs of a mobile home owner. Mobile homes, manufactured homes, and modular homes all go under our mobile home insurance policy category. Just like our homeowner's and condo insurance polices, it will cover the structure and your belongings against fire, falling objects or theft. We’ll customize your policy based on your needs and the potential damages you may be exposed to.
 
Even if you rent your home, it doesn’t mean you don't need insurance. Even though the owner of your property is responsible to the structure of your home or apartment, they are not responsible for your belongings. If there was a fire or some other disaster that destroyed your belongings, they would be responsible to rebuild the damage to your home or apartment, however they would not be responsible for your belongings that were damaged. Renter's insurance usually costs much less than homeowner’s insurance policy, so for a small investment you’ll know all your possessions in your rented home or apartment are covered.
 
So if you own a home, condo, mobile home or are a tennant in a rental unit, we have an insurance policy for you. To get a free quote from one of our home insurance experts, just use our Home Quote tool, and we’ll get back to you with a free no obligation quote.


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