What Does Your Insurance Do For You

Dated: 08/29/2019

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The largest single investment most individuals make in their lifetime is their home. To protect this investment, it is important to understand what your coverage does and does not do for you in emergencies and accidents.


Injuries and accidents

In nearly all policies, personal injury to the homeowner or relatives is not covered by insurance, but extends to friends, neighbors, delivery people, and any others who are invited to the premises. This coverage is usually explained in the liability or medical payments section of your coverage and is typically around $100,000.


Student property

One benefit that is often overlooked by homeowners is the extension of personal property coverage to students who are at college or boarding school. A homeowner who has a student in college may be covered under the property coverage section of your homeowners policy if they are living on-campus. This coverage may extend to off-campus housing, otherwise, a separate renters policy may be necessary.


Negligence and intention

While "negligence" may be a nasty sounding word, it extends to protection to you in instances where you or your family accidentally cause injury to another. For instance, you will likely be covered if your child accidentally hits a baseball into your neighbor's window, but may not be covered if your child intentionally throws it.


Disasters and storms

Damage caused by storms or natural disasters is covered by your homeowners policy. If a home is uninhabitable (such as a tree falling through the roof or flooding on the property), some policies will cover hotel rooms and even meals for a period of time following the incident. Each policy is different so you will need to check with your agent or review the policy about specific coverage. 


As most of us have surely noticed, fire insurance for the norther counties in California has dramatically increased for many people. Finding reasonable fire insurance is on everyone's mind when they think of moving up north. As you're calling around to local insurance agencies to research rates, be sure to call  Steve Avey with Steele Insurance Agency, Inc. Steve's given me quotes for fire insurance on homes I've sold in Placerville and Pollock Pines, that were some of the lowest I've seen! 

Steve Avey | c: (209) 518-3982 | SAvey@Siainc.net


For more information and referrals, feel free to contact me!

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Rachel Librach - CalDRE #02081922

I understand that buying a home can often times be one of the biggest financial decisions of a person's life. Not only can the whole process seem stressful, emotional, and time consuming, but if you a....

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