Homeowners Insurance

If you own a home or are thinking of buying one, it may be time to look into purchasing a homeowners insurance policy. Home insurance helps protect you from severe financial hardship if a covered peril damages your home or personable belongings or if you are liable for a third party’s injury or property damage.  

Get homeowner’s insurance today. Call JFL Insurance Agency to learn more about our insurance coverage. 

What Does Homeowners Insurance Cover? 

A homeowners insurance policy offers financial protection for property damage and damage to the contents of your home up to your coverage limits. It also typically provides personal liability coverage in that it helps protect homeowners from paying out-of-pocket expenses (e.g., legal costs, medical bills) if someone is injured on your property or, in some cases, if you are responsible for their injuries off of your property. It can also provide coverage if you are responsible for damaging their property.  

Consider the following benefits commonly included in a homeowners insurance policy: 

• Personal liability coverage helps if you’re held liable for causing bodily injury or property damage to a third party. Without homeowners insurance, you could be responsible for paying the costs associated with the incident such as legal fees, medical expenses and personal property replacements out-of-pocket.
• Dwelling coverage may cover repair to damage to the structure of your home—including permanent fixtures such as the foundation and electrical systems—after a covered peril (e.g., fire, hail). For structural damages caused by floods, you may need to purchase a separate flood insurance policy as most homeowners insurance policies do not cover these losses. 
• Personal property coverage may pay for repair or replacement of personal possessions (e.g., clothes, furniture) a covered peril damages or destroys. 
• Living expenses may cover costs if property damage forces you to move out of your home, including hotels, meals, and other living expenses up to your coverage limits.  

Not sure if you have sufficient coverage for your property? We’re here to answer your insurance questions. Contact JLF Insurance Agency today.  

Is Homeowners Insurance Required? 

In California, homeowners insurance is not a legal requirement, but most mortgage lenders require it as a requisite to receiving a loan. Unless your home is entirely paid off, you will likely need to purchase a home insurance policy. Even if you have no mortgage, you may want to consider buying homeowners insurance as a means of financial protection.  

How Do I Buy Homeowners Insurance? 

We’re here to help you find the right homeowners insurance policy to protect your home, yourself and your possessions. Call JLF Insurance Agency in San Francisco, California, and get homeowners insurance today.