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Regardless of whether you live in the Antelope, Santa Clarita or any other part of California, homeowners insurance is one of the most important insurance policies you could ever own.

Laura Ashley The Agent being an independent insurance agent provides the client with the opportunity to look at different insurance companies and compare coverage that can fit your budget and needs. 

Homeowners Insurance

Owning a home is a huge accomplishment and insuring the place you call home can help protect you financially if you suffer a loss due to fire, hail, smoke, falling objects, theft, vandalism, or other covered events. Insurance can also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. 

Homeowners Insurance Coverages

Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense —this covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..

Condo insurance (also referred to as an H0-6 policy covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas, which does not include the unit you reside in.

Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover.

Make sure to get a copy of your associations by-laws so you can understand what your responsibilities are in the event of a claim.