California is an expensive place to live in! In this article, we will show you the most important areas to spend on and what you can save on for your California homeowners insurance.

Areas That Homeowners Should Examine Carefully On Their Policy

The biggest area of concern for your California homeowners insurance policy is the coverage. If you have a complete loss on your home due to a fire or other catastrophic event, you want to at least have enough to rebuild your home from the ground up. “Dwelling Coverage” or “Coverage A” as it will be seen on your policy is the amount you are covered for your house, the actual building itself. This is the coverage you can’t risk saving money on, as it’s too important. To underinsure your home is a terrible mistake to make.

As the coverage of your home is important, the company that insures your home is just as equally important. There are millions of insurance companies out there, but you’ll want to research the company whose insuring you. Look at their financial ratings and also look at their complaint ratios. The more complaints a company has, usually the more claims they deny. If you are paying into all this insurance and then the insurance company ends up denying your claim or goes bankrupt and can’t pay – what’s the point of having insurance?

At Unity One Insurance, you never have to worry about having your home being underinsured or the company that we place you with. All the companies we insure through are financially strong and are great companies.

Where Can I Save Some Money On My California Homeowners Insurance Policy?

There are some areas on your homeowner’s policy that you could possibly save. There is a coverage called “Other Structures” or “Coverage B”, this coverage covers all things that are detached from your house like a fence, a pool, shed, gazebo, etc. Maybe you don’t have any of these things or maybe just a fence that doesn’t need a lot of coverage. Talk to us about lowering your coverage as low as needed. This can save you some money on coverage you just don’t need.

Another coverage you could possibly save money on is “Additional Living Expenses”, “Loss Of Use” Or “Coverage D”. This coverage covers the additional cost of living outside of your house while your home is being rebuilt from a covered loss. If you have any place you could stay during this time or if you have a secondary home, we can lower this coverage as much as possible saving you money.

Some other ways for you to save include:

• Bundling insurance policies
• Installing alarm systems
• Playing around with different deductibles
• Insurance brokers like us who can shop multiple companies at the same time!

Let us guide you through purchasing your California homeowners insurance policy. Every house is a different risk and needs attention to fit your lifestyle, your location, your needs, and you. Get the insurance you’re comfortable with and never back down on dwelling coverage, liability coverage, and the company you have your homeowners insurance with. Call now 949-450-1822 or email us at info@unity1.com for a free review on your current California homeowners insurance policy or to get a new one started,