Homeowner’s / Renter’s Insurance
If you have tangible assets, you need the protection of a homeowner’s policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named-perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility. As an Independent Agent, we represent over 40 different companies and serve the Imperial Valley communities of El Centro, Brawley, Imperial, Calexico, Calipatria (Calipat), Westmorland and Holtville.