Homeowners insurance is designed to protect your family, your home, and your many belongings. If you own a home, homeowners insurance is essential to help reimburse you in the event your home or property is damaged. Your policy will also provide liability coverage in case someone is injured on your property or if your family causes injury to a person or property. Homeowners policies can vary in coverage so it is important to find one that meets your unique needs. If you took out a home loan to purchase your home, you will most likely be required by your lender to have a homeowners policy. The team at Morning Star Agency Insurance Services, Inc., helps clients in Irvine, Orange County, and nearby Southern California communities with their homeowners insurance needs.

Homeowners insurance policies have a number of standard coverages but each policy will be uniquely tailored to fit the home and homeowner.

What is Covered?

Dwelling coverage protects the physical structure of your home, including its foundation, walls, and roof. It can also cover other detached structures on your property like guest houses, sheds, and garages. If damage occurs to your dwelling caused by a covered incident, such as fire, vandalism, or hail, your policy will cover repairs or replacement.

Personal property coverage protects the belongings inside of your home after an unexpected event. Itemizing your belongings is quite important when it comes to personal property coverage. You’ll need to take careful note of all the belongings for which you would want to be reimbursed if a covered event occurs. This can include jewelry, electronics, dinnerware, furniture and more. It’s up to you to identify items you want covered and for how much.

Much like an auto liability policy, liability insurance protects your family if someone sues you because they’re injured on your property or if they claim you caused injury to their person or damage to their property. Expenses such as medical bills, repairs or replacement of another’s personal property, and the cost of legal fees if you are sued may be covered by liability insurance.

Additional living expenses coverage will help pay for a hotel or motel if a covered event leaves your home uninhabitable.

Coverage Exceptions

While most weather-related damage caused by fire, hail, and lightning is covered, flooding and earthquakes are very rarely covered under a standard homeowners policy. If you are in an area at risk of flood or earthquake, you will want to consider supplementing your coverage with the appropriate policy.

Get Covered Today

Our team of insurance experts can help you get the homeowners insurance coverage you need to protect you when the unexpected happens, while saving you the most money on your monthly premiums. Morning Star Agency Insurance Services, Inc., would love the chance to help you find a policy to keep you, your family, and your belongings protected. Contact us if you live in Irvine, Orange County, or any of the nearby Southern California areas if you’d like to learn more.