Homeowners
Insurance
Home Insurance At The Price You Can Afford
We shop multiple California homeowners insurance carriers to find you the best combination of
price and coverage for your needs.
We offer broad protection that you can trust, plus affordable rates, and outstanding service.
The plans we offer has protection for your dwelling, as well as your personal possessions and personal liability.
If something like fire makes your home uninhabitable, our plans will cover the increased costs of a place to live until you can move back in. Our plans replace personal belongings at replacement value – not the depreciated value.
Homeowners insurance can help protect you in case of a liability lawsuit against you.
This could occur in a situation where you are held responsible for:
- Injury to another person
- Damage to another person’s property
This could apply whether the incident occurred within your residence or elsewhere.
Because everyone’s needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners
insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.
damaged by a natural disaster, you’d
need money to repair or replace it.
liability protection and medical
coverage help pay expenses.
it can reimburse you for your
loss or pay for repairs.
your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
Things to consider and
questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
MIS Insurance provides homeowners insurance in all cities in California including: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Riverside, Stockton, Chula Vista, Irvine, Fremont, San Bernardino, Modesto, Fontana, Oxnard, Moreno Valley, Huntington Beach, Glendale, Santa Clarita, Oceanside, Garden Grove, Rancho Cucamonga, Santa Rosa, Ontario, Elk Grove