Homeowners Insurance

Homeowners insurance is a critical type of insurance that can provide financial protection to homeowners against damages and losses to their property and possessions.  

Contact the team at CCIS Insurance Group today to start building your customized home insurance plan. 
 

What Does Home Insurance Cover? 

 

Homeowners insurance policies typically help cover damage or loss to the home’s physical structure and personal property. It also may offer personal liability protection. A typical policy may include the following coverages: 

• Dwelling coverage may help cover damages to the structure of your home, such as the roof, walls and foundation. 
• Other structures coverage may help cover detached structures on your property, such as a garage or shed.
• Personal property coverage may help cover damage or loss to your belongings, such as furniture, electronics and clothing. It may also cover loss or damage to items you keep in storage or outside your home, such as a bicycle.
• Liability protection may help provide financial protection if someone is injured on your property or if you or a household member is responsible for third-party bodily injury or damage to someone else’s property. It may also help cover legal fees if you are sued for damages. 

How Much Home Insurance Do I Need? 

 

The amount of home insurance coverage you need depends on several factors, including the value of your home, the potential cost of rebuilding and the value of your personal belongings. Here are some tips for determining how much home insurance coverage you need: 

• Calculate the value of your home—This will give you a baseline for how much dwelling coverage you need.
• Consider the cost of rebuilding—You may need more dwelling coverage than the value of your home to account for the cost of rebuilding in the event of a total loss.
• Inventory your personal belongings—This will help you determine how much personal property coverage you need.
• Consider liability protection—The liability coverage you need will depend on your assets and risk of lawsuits. 

How Much Does Home Insurance Cost? 

 

The cost of homeowners insurance can vary depending on several factors, including the value of your home, the level of coverage you choose and the location of your home. Getting quotes from multiple insurance companies to compare prices and coverage is a good idea. Many insurance companies offer discounts for security systems, fire alarms and multiple policies. 

Your agent can help you understand your options and get the best possible rate from a reputable insurer.  

Contact Us 

 

Contact CCIS Insurance Group in Fresno, California, to get personalized quotes for homeowners insurance. 

 

Related Products:

Property Insurance

Homeowners Liability

Renters Insurance