Affordable Homeowners Insurance California - California Home Insurance - Cheap Home Owners Insurance in California - California Mortgage Insurance Quotes - Low Cost Homeowners Insurance Quotes California - California Private Mortgage Insurance - Home Owner Insurance California - California Home Insurance Quote - Home Insurance Quotes California - Homeowners Insurance Quote California - California home Insurance Comparison - House Insurance CA - Online Homeowners Insurance Quotes CA - Affordable Home Owner Insurance Rates California - Cheap Home Insurance California - California Home Insurance Online Quote - Cheapest Homeowner Insurance California - Low Cost Homeowner Insurance California - California Low Cost Home Insurance - Low Cost House Insurance CA - Discount Homeowners Insurance California - House Insurance California - California Homeowners Insurance - California House Insurance - California Home Owners Insurance - House Insurance in California - Homeowners Insurance in CA - Homeowners Insurance CA - CA Homeowners Insurance - California Homeowners - Homeowners Insurance in California - Cheap Home Insurance in California - Home Insurance in California
Americhoice Agency, Inc.  
1 2

Select Your State


Everyone Needs California Home Owners Insurance
Homeowners need to purchase California home insurance to protect their home and personal property. California renters need insurance to protect their furniture and other personal property. Everyone needs protection against liability for accidents that injure other people while on your property or for damages to your property.

How to keep the cost of House Insurance low

Homeowners Insurance for California Residents

Get A Quote!
   Homeowners Insurance
   Condominium Owner Insurance
   Renters Insurance


QUOTE REQUEST FORM for Homeowners and House Insurance Quotes.


How much is your house worth now? Find It Here.

Insurance Premiums on the Rise as Home Prices Fall

 

California Homeowners Insurance

Most home owners are not aware that Home Owners Insurance in California does not cover floods. Most believe it will never happen to them, however if there is any possibility you may incur flood damage you should purchase flood insurance. You can find the information for flood insurance at www.fema.gov/index.shtm

What damage to your home is covered with California home owners insurance?

Damage caused by wind, wind-driven rain, damage to your home from trees or other falling objects, collapse of a structure due to weight of ice or snow are all covered under most standard California homeowners insurance policies. Frozen pipes as the result of extreme cold weather may not be covered if the damage is due to negligence, such as failing to maintain an adequate temperature in the house when the ability to do so is there.

What damage to your home is not covered with California House insurance?

Interior water damage from a storm, when there is no damage to the roof or walls of your home, damage as the result of a flood, removal of fallen trees (if the trees do not land on and damage your home) food spoilage due to a power outage and water damage from backed-up drains or sewers are not covered under most standard California homeowners insurance policies. Some insurers offer endorsements (additional protection that may be purchased) for certain coverage not covered under the standard homeowner policy, so check with your agent or company to determine your needs

Flood Insurance
As Spring Rains and the Hurricane Season Approaches, Flood Insurance Should be Considered.

The standard California homeowners’ insurance policy does not cover flood damage.


What is a flood?
The National Flood Insurance Program (NFIP) defines flood to be a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder's property) from: overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, mudflow, or collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels.

What is flood insurance?

  • Flood insurance is a special policy that is federally backed by the NFIP.
  • You may buy flood insurance that covers up to $250,000 for flood damage to your home. A standard flood policy will cover structural damage to your home, including damage to your furnace, water heater, air conditioner, floor surfaces (carpeting and tile) and debris clean up.
  • For an additional premium, you also may buy flood coverage for up to $100,000 of damage to the contents of your home due to a flood.
  • Coverage is available up to $500,000 for non-residential buildings and their contents.

How much does flood insurance cost?
According to the Federal Emergency Management Agency (FEMA), the average flood insurance policy costs a little more than $400 a year for about $100,000 of coverage. The actual cost to you will depend upon where you live and the amount of coverage you choose. 

How Can I Buy Flood Insurance?           
You can buy NFIP flood insurance directly from your property and casualty insurance agent or insurance company if your community participates in the NFIP. You can find out if your community participates by visiting the following NFIP Web link: http://www.fema.gov/fema/csb.shtm.
Your insurance agent or insurance company also can confirm whether flood insurance is available to you and what it would cost.
You can obtain more information about flood insurance at the NFIP Web site at www.fema.gov/index.shtm

 

 

Important considerations when Purchasing California Homeowners Insurance

1. Everyone Needs California Home Insurance
California Homeowners need to purchase home insurance to protect their homes and personal property. California Renters need insurance to protect their furniture and other personal property. Everyone needs protection against liability for accidents that injure other people while on your property or for damages to your property.
2. Decide How Much Coverage You Need with your California Homeowners Insurance.
The better your California home owners insurance coverage, the less you will have to pay out of your own pocket if disaster strikes. In some cases, your mortgage lender decides how much coverage you need and may require you to buy a California homeowners insurance policy that covers at least the amount of the mortgage. The amount of California home owners insurance coverage you buy for your house, contents and personal property will affect the price you pay.
3. Compare Deductibles on California Homeowners Insurance
The deductible is the amount you have to pay out of pocket on each claim and applies only to coverage on your house and personal property. Make sure when choosing an California homeowners insurance policy that you are comfortable paying the deductible if you make a claim. A policy with a $100 deductible will cost more than one with a $250 deductible.
4. Replacement Cost or Actual Cash Value?
You may have the option to choose an California homeowners insurance policy that either has replacement cost or actual cash value. Replacement cost is the amount it would take to replace or rebuild your home or repair damages with materials of similar kind and quality, without deducting for depreciation. It is important to have an California House Insurance policy that covers at least 80 percent of your house replacement value. Actual cash value is the amount it would take to repair or replace damage to your home after depreciation.
5. Shop Around Before You Buy an California Homeowners Insurance policy.
You are not required to purchase California home owners insurance from the company your lender recommends.
6. Ask Your California House Insurance Agent About Discounts
In some states, homeowners insurers offer lower prices for such things as insuring your home and car with the same company, installing deadbolt locks or alarm systems or replacing the roof.
7. Basic Coverage Available for California Homeowners Insurance
Whether you own or rent, there are different packages of California home insurance offered to protect your home and belongings. Each package protects against a specified number of events that cause damage to property. Three examples are fire, windstorm and theft. In addition, each package policy usually contains four additional types of coverage: property damage, additional living expenses, personal liability and medical payments. California homeowners policies do not normally protect against flood damage. This can be purchased through the Federal government as a supplement to your California Homeowners insurance.
8. Read Your California Home Owners Insurance Policy Carefully
You should be aware that an California home insurance policy is a legal contract. It is written so that your rights and responsibilities as well as those of the California insurance company are clearly California. When you purchase California home insurance, you will receive a policy. You should read that policy and make certain you understand its contents. Keep your policy in a safe place and know the name of your California house insurer.
9. Review Your California Home Insurance Needs Every Year
Check with your California homeowners insurance agent at least once a year to make sure your policy provides adequate coverage. The addition of a room, new insulation or remodeling add value to your home, therefore it will increase replacement cost.

Health Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  

Homeowners Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  

Life Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  

Auto Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  
Home Insurance | Life Insurance | Auto Insurance | Medicare Supplements | Annuities | Insurance Exchange
Home | About Us | Contact Us | Privacy Policy | Disclosure | Resources | Add URL | Site Map