The needs of every homeowner are different and your home insurance policy should reflect that.

We have developed relationships with many of the top personal lines insurance carriers like; Chubb, Hartford, Nationwide, Safeco-Liberty Mutual & Travelers. Each carrier (as well as many others we represent) have different products to fit the needs of different clients.

Typical a basic CA Homeowners policy will cover:

• The structure(s) of your home ** be aware of reduced “other structures” limit for detached structures
• Replacement Cost to rebuild and remove debris (up to policy limits)
• Personal Possessions: furniture, clothes, appliances, etc. (up to policy limits)
• Living Expenses in case of a disaster
• Personal & Premises Liability

You can add supplemental coverages and policies like:

• Valuable Articles – Jewelry, Art, Wine, Silverware, etc.
• Flood Insurance
• Earthquake Insurance
• Umbrella – Excess Liability
• Course of Construction – for major remodel
• Dwelling Fire – For AirBNB type rental of your home.

Carrier Spotlight:

Chubb Insurance is our premiere product when it comes to custom homes. They recognize the pride their clients take in designing their home which is why they provide a Home Appraisal Service: Chubb offers complimentary home appraisals for many homes that we insure. Chubb’s highly trained appraisers will visit your home to carefully note the home’s features, estimate the home’s replacement cost and help you determine the amount of coverage you really need. Our appraisers also assist with security and fire prevention advice. These appraiser are aware of the different between Home Depot caliber finishing versus custom quality.