Home insurance

Purchasing California home insurance can get really confusing, and at Liberty Star Insurance we understand this. Although you are not legally required to purchase home insurance as you are with car insurance, most mortgage companies/banks require it as part of their finance agreements with home owners. If you are faced with the sometimes daunting task of shopping for homeowners insurance, don’t fret! Liberty Star Insurance is an independent insurance agency that can shop multiple carriers to get you the best home insurance policy available to you!

Homeowner’s coverage doesn’t have to be difficult to understand. Typically, a basic CA home insurance policy will cover the following:

  • The structure of your home
  • Replacement costs
  • Personal possessions (up to a set limit which can be increased)
  • Living expenses in case of a disaster
  • Liability

You can also add supplemental policies such as:

  • Valuable Articles/Floater policy (i.e. Jewelry Insurance)
  • Flood policy
  • Earthquake policy
  • Umbrella policy (additional liability)
  • Animal Liability policy (liability issues due to household pets)

The needs of every home owners are different and your home insurance policy should reflect that. We at Liberty Star Insurance will create a homeowner’s insurance policy that will best suit you and your family. Contact us today for more information on our comprehensive California home insurance policy options. Fill out our quick and simple form for a free home insurance quote!

With an asset as important as your home, it’s important that you have just the right insurance coverage to protect your investment. At Liberty Star Insurance, we would make sure you have the coverage that‘s just right for your home.

Here are some of the things to consider while choosing coverage for your policy:

Replacement Value Of Your Home

Add extended replacement cost coverage to your policy to ensure that your home is rebuilt to the same standards used in the original construction in case of price hike at time of claim.

Amount of Personal Property Coverage

This coverage ensures full replacement of your personal property. There is no deduction for depreciation. You should also include expensive possessions such as jewelry, collectibles or art in a separate list with extended coverage.

Personal Liability

We will help you decide how much personal liability coverage to include in your policy. This amount may vary according to the value of any assets you may own.

Special Coverages

Many homeowners have fences, pools, other buildings, or special features that would only have minimum coverage in a standard homeowners policy. We’ll give you the options to increase those coverages if needed and make sure your policy covers you adequately.