California is known as a sunny state with amazing beaches and beautiful national parks. However, it is also frequented by natural disasters, a good enough reason for you to invest in insurance if you are a homeowner.

A good home insurance coverage shields your residence against such risks as wildfires, earthquakes, fires, break-ins, and lawsuits, which could result in huge financial loss. Whichever area you call home, whether it’s Dublin, San Ramon, Pleasanton, Danville or beyond, you must be prepared when the unexpected occurs.

Cushion Your Assets from Potential Risks

Home insurance ensures you can weather any catastrophe that may strike. Most homeowners typically take out or bundle any of the following types of coverage:

Dwelling. The most basic protection, which covers the structure of your house, attached structures such as a garage, and built-in appliances.

Personal liability. Provides legal compensation if you are found liable for another person’s injuries or damage to another person’s property.

Contents. Insures your personal property such as clothes, gadgets, and furniture.

Other structures. Pays for the loss or damage to any structure within the perimeter of your property (e.g., gazebo, detached garage).

Additional living expenses. Reimburses your expenses when you’re taking temporary accommodation somewhere while your house is being repaired.

Guest medical protection. Handles the medical bills of a visitor injured within or around your property.

Add-ons for Comprehensive Protection

Home coverage needs vary across homeowners. If you want more comprehensive coverage, you may consider adding riders to your policy. The options include:

Valuable items. Covers the loss of expensive items such as antiques, artwork, jewelry, and collectibles.

Water backup. Provides coverage for any part of your home or furniture that is damaged by a backed-up pipe.

Earthquake and flood. Protects your house and its contents against damage from earthquakes and floods.

Building code. Pays for the extra cost to bring your property up to code.

Variables that Impact Home Insurance Cost

Insurers evaluate different risks to come up with a cost for your policy by taking into account several factors, including:

• Location
• Age of your property
• The type of coverage you pick
• Replacement cost
• Construction materials used
• Features such as a swimming pool
• If you operate a business in your home

Buy the Right Coverage from Independent Agents

We at Onstad's Insurance Agency are independent agents who can assist you get the coverage appropriate for you and your family. To know more about homeowner insurance, call us at 925-866-1444.