Homeowners Insurance In Downey
Downey, CA House Insurance: What It Covers and What It Doesn’t
If you’re trying to find a reputable Downey, CA homeowners insurance company, look no further than Lionel Sandoval! For years, we’ve been protecting the most valuable assets of Los Angeles County residents: their homes. We’re a full-service agency that specializes in house insurance policies, and we can create a customized and affordable package that is designed to offer protection for your unique needs. When you choose Lionel Sandoval for your house insurance needs, you can have confidence knowing that your home – and you – will be completely protected.
What Homeowner’s Insurance Does and Doesn’t Cover
House insurance protects your Los Angeles County home, your valuables, your family, and you from perils that could arise. It protects you from having to pay for unexpected events that have the potential to have disastrous effects and cost an exorbitant amount of money out of your own pocket. While you hope that you’ll never need it, if something does go wrong, you’ll rest easy knowing that you’ll have the financial assistance to cover the cost of anything that needs to be repaired or replaced.
With that said, when you’re shopping for Downey, CA homeowners insurance, knowing exactly what it covers before you sign on the dotted line is imperative so that you know what’s protected and what isn’t. Read on to find out about the basics of house insurance coverage.
What does house insurance cover?
Generally, a standard Downey, CA homeowner’s insurance policy covers your Los Angeles County home and personal possessions from certain perils, including:
- Fire and smoke
- Lightning strikes
- Snow, ice, and sleet
- Frozen household items, such as heating, air conditioning, and plumbing
In the event that your home or personal possessions are damaged or lost by one of the above-mentioned perils, you would file a claim with your house insurance company and pay your deductible, and the company would cover the remainder of the repair or replacement costs. For instance, if a fire were to break out in your home, your homeowner’s insurance would pay to repair or replace the structural materials and personal possessions that were damaged by the flames and smoke. A basic policy includes six coverage provisions, which include:
- Dwelling. The structure of your home, including the foundation, roof, and walls, and any attached structures, such as a garage, a porch, or a deck.
- Other structures. Structures that aren’t attached to your Los Angeles County house but are on your property; a fence, shed, or detached garage, for example.
- Personal property. The contents within your house and the detached structures, as well as on your property, such as your furniture, appliances, jewelry, electronics, paperwork, and other belongings.
- Personal liability. The cost of third-party personal injury and property damage liability claims, including legal defense fees, medical bills, and/or the repair or replacement of the personal property of others.
- Additional living expenses. Reimburses you for the cost of temporary living accommodations, such as a hotel or a rental house, if your property is uninhabitable and needs to be repaired as a result of damages caused by a covered claim.
- Medical payments. Covers the medical care visitors to your home may require if they are injured on your Los Angeles County property, regardless of who is at fault.
What isn’t covered by house insurance?
Don’t just assume that a standard Downey, CA homeowner’s insurance policy will cover every potential peril. Examples of some of the things that a standard policy won’t cover include:
- Majorly destructive events. Usually, disaster events that cause a significant amount of damage over a large geographic location aren’t covered by a standard house insurance policy. Examples of these events include:
o Earth movements, such as earthquakes and sinkholes
o Nuclear accidents
o Acts of war
o Seizure, eminent domain, or other acts performed by the government
In certain geographical locations, some types of disasters may not be covered; for example, in a coastal region that is prone to severe storms, wind damage may not be covered. For some events, you may be able to purchase additional coverage, known as a “rider” or an “endorsement”.
- Negligence and wear and tear damages. A house insurance policy is supposed to provide coverage for unexpected incidents that are beyond your control; a fire, frozen pipes, or theft, for example. It does not cover the cost of damages that occur as a result of regular wear and tear or negligence. For instance, if you fail to trim a tree in your Los Angeles County backyard and a limb falls and lands on a section of the fence, the damages wouldn’t be covered. It also won’t cover damages that occur as a result of regular use; a carpet that’s several years old and is stained or worn out.
- Pest infestations. Believe it or not, homeowner’s insurance usually doesn’t cover pest-related damages; bedbug, termite, or carpenter ant infestations, for example. If, however, your house collapses as a result of previously unknown termite damage, your policy may cover the loss.
- Sewage backups. While frozen plumbing pipes are usually covered by a standard homeowner’s insurance policy, sewage backups aren’t. Whether the result of improper disposal of waste items down the toilet or sink or tree root infiltration, if you have a sewage system backup, your insurance likely won’t cover the related damages and/or losses.
- Certain types of property. While house insurance does cover personal property, the liability portion of this policy doesn’t cover property that is associated with frequent injuries; trampolines, diving boards, and treehouses, for example. Additionally, if you own these high-risk items, your premiums will likely be higher. Some insurance companies won’t offer coverage to homeowners’ who own these items, or they’ll require you to sign an exclusion, meaning that they’ll insure you, but they won’t cover injuries that are associated with those items.
- Certain dog breeds. Large dog breeds or breeds that are believed to be aggressive may not be covered under the liability portion of a house insurance policy; Pit Bulls, Dobermans, Rottweilers, and German shepherds, for example.
For a Downey, CA Homeowners Insurance Quote, Contact Lionel Sandoval
To find out how you can protect your Los Angeles County home, your valuables, your loved ones, visitors, and yourself, contact Lionel Sandoval. We offer the most comprehensive house insurance coverage options and can help you create a package that is customized to meet your unique needs. Give us a call at 323-285-2442 and we’ll be more than happy to answer all of your questions. We’re looking forward to protecting what matters most: your home.
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