Seguro de Vivienda
Su casa, sus cosas y su responsabilidad civil, en una sola póliza. Estimamos lo que realmente costaría reconstruir, comparamos aseguradoras que aún operan en su zona y le damos respuestas claras sobre incendios forestales.
Con licencia en California
Menlo Insurance Services es el nombre registrado de Opero Labs Inc. Licencia de California n.º 6020106.
Ocho corredores, un solo equipo
Nuestros ocho corredores trabajan juntos como un solo equipo de Menlo, para que pueda comunicarse con una persona que entienda su cuenta.
Corredora independiente
Tenemos nombramientos con varias aseguradoras, así que la cotización se compara en el mercado en lugar de salir de un solo estante.
Qué cubre esta póliza
Your house
Rebuilding or repairing the structure after a covered loss like fire or wind.
Your belongings
Furniture, clothes, and electronics, at home or with you when you travel.
Personal liability
If a guest is hurt on your property or you accidentally damage someone else's.
Somewhere to stay
Additional living expenses if a covered loss makes the house unlivable while it is repaired.
Why does the rebuild figure matter more than what I paid?
Because a policy pays to rebuild, not to re-buy. What a house sells for includes the land, the street and a market. What it costs to put back after a fire is labour, materials and code compliance on the day of the loss, and in California the second number has been moving faster than the first.
Pensado para propietarios en California
- Compradores primerizos cerrando un préstamo
- Familias actualizando cobertura tras una remodelación
- Propietarios en zonas afectadas por incendios evaluando opciones
- Cualquiera cuya renovación subió sin explicación
Qué cambia su prima
No existe una tarifa fija para esta cobertura. Estos son los datos que la aseguradora usa para tarifar, y son los mismos que le pide el formulario de cotización.
- The cost to rebuild the house today, which is not its market price
- Age, construction, roof age and any recent updates
- Wildfire, flood and quake exposure at the address
- Distance to a fire station and to a hydrant
- The deductible you pick, including any percentage deductible
- Claim history at the property and on your own record
Coberturas que se complementan con esta
Auto Insurance
Liability, damage to the car, and the other driver who turns out to have no insurance at all.
Umbrella Insurance
Extra liability limit sitting above the home and auto policies you already carry, for a fraction of what raising each one costs.
Life Insurance
What the household lives on if your income stops.
Preguntas frecuentes
How much dwelling coverage do I need?
Enough to rebuild the house at today's construction costs, which is not the same as its market price or your loan balance. We estimate rebuild cost from the home's size, age, and features, and we review it at renewal because construction costs move.
Is wildfire covered in California?
Fire, including wildfire, is a core covered peril on standard homeowners policies. The real issue in California is availability: in higher risk areas some carriers decline to write, and the FAIR Plan plus a wrap policy can be the fallback. We walk you through the realistic options for your address.
What is the difference between replacement cost and actual cash value?
Replacement cost pays to repair or replace with new materials of similar kind and quality. Actual cash value subtracts depreciation, so older items and roofs pay out less. Where the choice exists, we quote both so you can see the tradeoff.
Will filing a claim raise my rate?
It can, and claim history follows you between carriers through shared databases. For borderline losses close to your deductible it is often worth talking it through before filing. We help clients think that through honestly.
Does my policy cover my home office?
A desk and a laptop are usually fine. Regular client visits, inventory, or business equipment beyond policy limits generally are not, and may need an endorsement or a small business policy. Tell us how you work and we will match the coverage to it.
Does this policy cover flood?
Flood damage needs a separate flood policy. Standard homeowners policies exclude it.
Does this policy cover earthquake?
In California this is a separate policy or endorsement, commonly through the CEA.
Does this policy cover wear and maintenance?
A roof at the end of its life or a slow leak you knew about is upkeep, not a covered loss.
Does this policy cover business activity at home?
Regular business use of the home usually needs its own coverage.
Can you write this where I live?
Actualmente solo tenemos licencia en California. Comience una cotización si el negocio o el riesgo se encuentra en California, y confirmaremos la elegibilidad antes de que invierta tiempo.
¿Qué pasa realmente después de comenzar una cotización?
Usted responde unas pocas preguntas y un corredor con licencia de Menlo las lee, clasifica su operación y la compara con las aseguradoras con las que tenemos nombramiento. No hay emisión instantánea ni caja negra. Habla con una persona antes de que se cotice nada.
Obtenga una cotización hecha a la medida de su casa
Cuéntenos sobre su casa y cómo vive en ella. Comparamos aseguradoras y le explicamos las opciones en lenguaje claro.