Maybe you have been a homeowner for a while or this is going to be your first home purchase, either way being knowledgeable about your California home insurance is important. In this article, I am going to give you great advice and tools for making sure you know what and how to shop for your homeowner’s insurance.

What Should I Do First?

When you’re shopping for your California home insurance, the first thing you should do is get with a local insurance broker. An insurance broker has a relationship with multiple different insurance companies and can give you multiple quotes and options at once. This saves you time and money, as we do the shopping and you do the saving. Having an insurance broker does not cost you any extra money, as the insurer pays us the commission, not you. So you get free advice, free customer service, and someone who can scour the market for the best prices and coverages.    

Shopping for your homeowner’s insurance with a broker in your state is important for more reasons than one. If you have a claim or a problem, you know who you’re going to call and you know who you are going to be speaking with. Not only can you call us on the phone, but since we are in the state, you can always go into the office and speak face to face. It really is beneficial for you to have someone in your corner, working for you when it comes to insurance. Find a good broker you trust, ask lots of questions, and make sure you feel comfortable and understand the coverage you’re getting. With our agency – the same person that sells you the policy will also service your policy, get to know us you’ll be glad you did.

When Purchasing California Home Insurance, Does The Insurance Carrier Matter?

The insurance company that carries your California home insurance and the agent you choose is one of the most important factors of your insurance policy. If you have a poor-performing insurance company financially or claims paid, or your agent doesn’t help, then you could be in serious trouble down the line. Cost is obviously important, but should not be the way you shop for your insurance. Insurance needs to be shopped by 3 factors:

1. Coverage – The coverage of your home is imperative. Make sure you have enough to rebuild the house from the ground-up in case of a total loss in a fire. If you don’t have good coverage, you could be possibly paying all this insurance for no reason
2. Company – An insurance company having a good financial rating is important. Also, read up on reviews and statistics of the company. If they have horrible reviews, then that usually means that there is a lot of denials for claims. If you don’t have a good insurance company, then you could possibly be paying for all this insurance for no reason.
3. Price – Price goes along with coverage and company, do what you feel comfortable with, play around with different deductibles, and bundle your insurance policies together to save money,

With All The Wildfires Throughout California Right Now, Houses Are Burning Down – How Do You Make A Claim If Everything Is In Ashes?

For all homeowners throughout California, please make inventory checks often and take lots of videos and photos of your personal property. Anytime you make a big purchase or do any major renovations, give us a call so we can check to see if you have the right coverage or need any special endorsements. Any major life or financial change is also a good time to call, do an inventory check at least once a year, and keep it in a cloud or a safe place to retrieve at a later time.

Now that you have some tools and tips to shop for your insurance, check out your current policies and call us for a free review and a free quote on your homeowner’s insurance. Call now at 949-450-1822 or email info@unity1.com. Our goal is to obtain the best possible coverage at the lower possible price.