Homeowner Insurance in Anaheim & San Diego, CA

Home Insurance for Homeowners Throughout California, Nevada, Texas, Oregon, Washington, Arizona, Colorado, Utah, Florida and Georgia 

One of your biggest challenges as a homeowner is to keep it safe. One way you can do this is by investing in a home insurance policy that is tailored for your specific needs. Not all home insurance policies are created the same, however, so you may need help navigating the vast sea of policies and insurers. 

The insurance professionals from Agape Insurance Services are dedicated to helping homeowners find the perfect policy. We will work with you one on one to protect your home with a policy tailored for your needs and your budget. 

What Does Home Insurance Cover? 

Home insurance policies are designed to protect your home, family and belongings from a variety of dangers. There are four main areas of a basic home insurance policy: 

Dwelling: Dwelling coverage provides compensation for damages to the physical home and its attached structures caused by fire, lightning, wind, hail, theft, vandalism and more. 

Personal Belongings: Personal belongings coverage protects your personal items from the same dangers as covered under your dwelling coverage, such as fire, theft and vandalism. 

General Liability: General liability insurance covers accidents of bodily injury and property damage that may occur on the property. 

Additional Living Expenses: Additional living expenses (ALE) cover costs related to temporarily moving after an accident in case the home is rendered uninhabitable by a disaster. 

What is Actual Cash Value vs Replacement Cost? 

Actual cash value and replacement cost value refer to the way you may receive compensation for your lost or damaged items. Actual cash value provides compensation while accounting for depreciation, which means that the amount of compensation you can receive goes down as the value of the item goes down. Replacement cost value offers compensation without depreciation so you can replace your items with those of equal or similar value. 

How Much Home Insurance Do I Need? 

Everyone’s home insurance needs are different, but it is generally recommended that you carry enough home insurance to cover the total replacement cost value of your home. This is how much it would cost to rebuild your home after a disaster, including building and material costs. 

Protect Your Home 

Protect your home with the homeowners insurance policy you deserve. Call Agape Insurance Services at (714) 285-4250 or fill out an online quote form to get started today. 

Common Home Insurance Questions 

How Does Homeowners Insurance Work? 

When you purchase a home insurance policy, you generally pay monthly premiums in return for coverage. While the policy is active, you can file a claim to receive compensation for covered damages. 

How Much Does Home Insurance Cost? 

Home insurance premiums vary depending on your location, credit score, value of the home, coverage limits and other factors. Fill out an online quote form to find out how much you can save on home insurance today. 

What Home Insurance is Required by Law? 

Contrary to popular belief, home insurance is not generally required by federal or state law. You may be required to carry home insurance as long as you have a mortgage on your home, however. Even without the requirement, home insurance is crucial for keeping your home and family safe in case of an accident.

If you have questions about home insurance, then contact our team of dedicated agents at (714) 285-4250 or visit our office today!