Home Insurance in San Jose, CA and San Francisco CA
While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy.
That’s why it’s important to talk to an insurance specialist at ISU Lovering Insurance Services about specific coverage options that are applicable to your individual needs.
Protect Your Home and Everything In It
At ISU Lovering Insurance Services, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.
ISU Lovering Insurance Services is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
*Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.
Why Home Insurance?
Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.
Getting a homeowners insurance quote is easy. Here are some of the important questions we’ll ask:
Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from ISU Lovering Insurance Services.
Do you own a home with unique architecture or worth more than $1 million? We represent many carriers that specialize in high net worth properties.
Common homeowners coverages
These are the common coverages you typically see on a policy.
This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.
We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.
Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages.
This covers all of your personal belongings like clothing, furniture, electronics, and appliances.
Loss of Use
This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.