La estructura
Reconstruir o reparar su casa tras incendio, viento y otras pérdidas cubiertas, a costos de construcción actuales.
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.
Una póliza detrás de lo más valioso que posee
Una póliza de vivienda hace tres trabajos a la vez: reconstruye la casa, reemplaza lo que hay dentro y lo respalda si alguien se lastima en su propiedad.
Lo de adentro
Muebles, ropa y electrónicos, en casa o donde los lleve.
Su responsabilidad
Lesiones a invitados y daños accidentales a terceros, incluida su defensa legal.
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 cubre y qué no
Generalmente cubierto
- Your houseRebuilding or repairing the structure after a covered loss like fire or wind.
- Your belongingsFurniture, clothes, and electronics, at home or with you when you travel.
- Personal liabilityIf a guest is hurt on your property or you accidentally damage someone else's.
- Somewhere to stayAdditional living expenses if a covered loss makes the house unlivable while it is repaired.
No cubierto aquí
- FloodFlood damage needs a separate flood policy. Standard homeowners policies exclude it.
- EarthquakeIn California this is a separate policy or endorsement, commonly through the CEA.
- Wear and maintenanceA roof at the end of its life or a slow leak you knew about is upkeep, not a covered loss.
- Business activity at homeRegular business use of the home usually needs its own coverage.
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.
Coberturas que combinan con esta
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.