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Sandoval Insurance Agent

Lionel Sandoval, West Covina, CA

Some of the LOWEST rates in California !

CALL FOR A FREE QUOTE TODAY!

Recent Reviews

Blossom Burnett
Blossom Burnett
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When I needed to use my rental insurance due to a bad incident in my home my worker got right on it ans helped me with a claim for a great insurance check that took care of all my needs. Forever grateful 🙏🏽
Cindy Morgan
Cindy Morgan
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I have had no problems or issues with Allstate. I printed out my policy and new car insurance cards and so far everything seems settled. Thank you for your service.
Jaye Judah
Jaye Judah
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My experience with Lionel Sandoval and his Allstate office been my best experience than with any car insurance. Very professional, caring and honest. They truly do value their customers.
Jason Yoon
Jason Yoon
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Great service which I have never experience before. Julio Pineda was very knowledgeable and helpful. Thank you so much for your awesome service!
Jennifer Halber
Jennifer Halber
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Lionel is a stand up guy who goes to bat for his clients. He makes himself easily assessable via email or phone. I would recommend him for your insurance needs and have continued to be his client over the years.
Robert Singleton
Robert Singleton
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Lionel helped me to get the auto insurance I need. He sent me cards that prove that I have coverage for the next six months. Now I have peace of mind.
Douglas Gray
Douglas Gray
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I have been with Allstate for many years and they have never let me down
Betty Garcia
Betty Garcia
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Always a pleasure to have great customer service!
Roosby Ruiz
Roosby Ruiz
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Excellent and efficient service!
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323-285-2442
available 24/7

Homeowners Insurance In Naples

Are You a First-Time Homebuyer? Important Questions to Ask Before You Purchase Home Insurance Near You in Naples, CA

Are you planning on buying a new home and you need insurance coverage? Is the policy on your existing home about to expire and you’d like to explore new coverage from a new company? Whatever your particular situation may be, instead of wasting your time searching online for “home insurance near me”, contact the most trusted Naples, CA homeowner’s insurance agency: Lionel Sandoval. With years of experience and a proven track record of success, we provide countless Los Angeles County residents with the protection they need for their most valuable assets: their homes. For the most reliable and affordable home insurance in California, call us today!

Key Questions to Ask Before Buying Your First Naples, CA Homeowners Insurance Policy

Buying your first home is certainly exciting, but it can also be stressful. There are so many decisions that need to be made and you want to make sure that you get everything right. Of all the different factors you’ll need to consider and important decisions you’ll make, insurance sits at the top of the list.

While you aren’t legally required to carry homeowners insurance in California, that doesn’t mean you shouldn’t have it; after all, your home is one of your most important assets and you want to make sure that it’s well-protected. Furthermore, though it isn’t a legal requirement, if you’re financing your house, it’s pretty much guaranteed that the lender will require it.

Whether you’re taking out a mortgage or you’re buying your house outright, you’re definitely going to want to invest in insurance coverage. To ensure you choose the right type of insurance for your unique needs, make sure you do your due diligence by vetting companies and asking some key questions about their insurance options. Search online for “home insurance near me”, visit the websites of a few different providers that service California to see if you can find out more about the products they offer and their credentials. Compile a list of the companies that pique your interests the most and contact each one to find out more about each agency and to ask some key questions.

Here’s a look at some key questions that you should consider asking Naples, CA homeowners insurance agencies before you buy a policy.

What protection does homeowners insurance offer?

A standard house insurance policy will offer six key protections:

What perils does a typical house insurance policy cover?

A basic Naples, CA homeowner’s insurance policy only covers losses and damages that are caused by the following perils:

Will a home insurance policy cover severe weather events?

Just like any other type of insurance policy, a standard home insurance policy does have limits. Though it covers several risks, it doesn’t cover damages and losses that are associated with severe weather events, such as flooding, tornadoes, or earth-moving events, such as earthquakes or landslides. You may be able to add additional coverage for these types of events with what is known as a “rider” or an “endorsement”. If your Los Angeles County house is located in an area that’s prone to severe weather events, such as wildfires, inquire about a rider for this protection.

What isn’t covered?

You’re certainly going to want to find out what a homeowner’s insurance policy doesn’t cover. Policies differ and depend on the company, so make sure that you ask each of the Naples, CA homeowner’s insurance companies you speak with what their policies won’t cover. Examples of things that a policy may not cover include no liability for certain types of dog breeds (pit bulls, Rottweilers, etc.) and certain kinds of belongings (diving boards, trampolines, etc.), and damages that are associated with general wear and tear or negligence.

Are there any available discounts that I might be eligible for?

Of course, you want to make sure that you get the best coverage, but you also want to pay the most affordable price. Insurance companies offer several discounts, but they usually don’t come out and tell you, so make sure you inquire. Security, fire protection, and severe weather protection discounts, such as smoke alarms, storm shutters, and fire sprinklers, are just a few examples of some of the discounts that may be available.

How do you handle home insurance claims?

While you hope you’ll never have to, there’s a chance that you may end up having to file a claim at some point. If a pipe bursts, someone smashes the windows to break into your home and steals your electronics, or if a bolt of lightning hits a tree limb and it falls onto the roof of your Los Angeles County home, for instance, you’re going to want to file a claim with your insurance company so you can be reimbursed for the damages. In the event that the unexpected happens, you’ll want to know how to file a claim, so be sure to ask prospective Naples, CA homeowner’s insurance companies how they handle the process.

Looking for a Home Insurance Quote?

The above are just a few questions you should consider asking prospective home insurance companies. When you’re researching companies that offer home insurance near you, make sure you include the top Naples, CA homeowner’s insurance company on your list: Lionel Sandoval. Call 323-285-2442 and we’ll be more than happy to answer all of your questions and to provide you with a free quote.

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