HOMEOWNER INSURANCE

Wondering how to choose the right homeowners insurance? The coverage you have depends upon the type of policy you have. Unlike auto insurance, where the policies are pretty much the same, homeowners insurance policies can be quite different, depending on the “form” numbers (or insurance small print).We service the California and Texas Homeowner markets and have over 25 carriers to choose form.

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HOMEOWNER INSURANCE

Not all homeowner insurance polices are created equal allow ConXis Insurance to find the best policy for you.

Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it’s important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance. You may be able to purchase separate insurance policies to help protect your home and belongings against those types of risks.

Things you will need to understand about your homeowners policy:

Personal Property Coverage

Homeowners insurance doesn’t just help cover damage to your home. It may also provide coverage for the personal belongings you keep within it. Suppose your electronics are stolen from your home or your furniture is damaged by a fire. Personal property protection may help pay to repair or replace your belongings if they are damaged or destroyed by a covered risk. Many insurers offer optional coverages that may further help protect the stuff you own. For instance, you may be able to purchase extended coverage for items such as jewelry, watches and furs that have values above your personal property coverage limits.

Liability Coverage

A typical homeowners insurance policy provides liability coverage when someone not living with you is injured while on your property. Suppose a visitor trips over your broken porch step. Bodily injury liability coverage may help pay for your resulting legal expenses or the visitor’s associated medical bills if you are found at fault. You may be able to increase your liability coverage limits by adding a personal umbrella policy. Your agent can explain what options are available to you.

Other Structure Coverage

Most homeowners insurance policies also include coverage for other structures that are on your property but separate from your home, like a detached garage, tool shed or fence.

Coverage Limits and Deductibles

Keep in mind that each coverage in a homeowners insurance policy is subject to a limit — the maximum amount your policy would pay toward a covered loss. You may be able to adjust your coverage limits to your needs — taking into account, for example, the value of your home and belongings and how much it may cost to repair or replace them if they are damaged or destroyed by a covered risk. In most cases, you will typically have to pay your deductible before your insurance benefits kick in to help cover a loss. Read your policy or contact us to review your coverage limits and deductibles. You can typically adjust them to fit your needs.
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PERSONAL INSURANCE

Insuring your home and auto can be one of the most important decisions that you make. Learn about umbrella coverage leverage your protection and spend. Let us help you find the right insurance for you without breaking the bank.

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BUSINESS INSURANCE

You work hard everyday to grow and build your business. Work just as hard to protect it! Learn about Liability, Professional, and Property coverages to understand the best coverage combination for you and your business.

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LIFE INSURANCE

Life insurance can be one of the most important and thoughtful gifts that you give your family. It can help to provide for them long after your are gone. Understand the differences between Term, Universal and Whole life insurance today.

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FREE INSURANCE REVIEW

Take the opportunity to get a FREE second opinion on your coverage. We are happy to review you personal, business and life insurance coverage to help you understand your existing policies as well as offer advice on how to optimize your coverage.

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“Appointing Chris as our broker to all of our polices has been a key decision in our business. We’ve worked with multiple brokers over the last 13 years and Chris has been great to work with. Chris has spent time to ensure we, understand what the policy entails and does/ not cover in order to make the best decisions for our business….”
SERVPRO, Yorba Linda Brea
“Chris has handled both my personal and business insurance needs in both a timely and professional manner.   He’s easily accessible and very responsive.  I’ve referred business customers of mine to him and he’s treated them the same way he did me.  I would highly recommend Chris for all your insurance needs.”
Steve Jones , SRJ Financial
“Great all around Insurance agent!!! Very efficient and good with communication. Takes time to listen to the client and make sure they not only have the best price, but that they have the proper coverage for when you need the insurance. My family and I know we are safe and protected with Chris”
Steve Williamson

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