Homeowners Insurance

No two homeowner policies are created the same, just as no two homes are created the same. You can customize your homeowner’s policy to fit your home, and also select different levels of financial coverage. At the Bertilacchi Insurance we are Stockton, Lodi & Manteca homeowner’s insurance experts. Let us help you create a homeowners policy that will cover your home against any possible problems at a rate that you’ll find hard to beat from any California insurance company. When choosing a homeowners policy these are some of the main points that you need be aware of.
First, homeowner’s insurance protects your home against loss. Homeowner insurance policies cover your home if it were to be damaged or destroyed by fire, theft, or wind from severe storms. The last thing you want to do is assume that your homeowner insurance has enough coverage against these kinds of damages, since it can be very expensive to repair. We are sure you’ve heard those stories of unfortunate home owners on the news that were left financially ruined because their policy just didn’t have the proper coverage to cover the damages.

A home for many people is their biggest investment, so being under-insured could be tragic. Since we are a local California insurance company, we are very familiar what a homeowner here should have in the homeowner’s policy to best protect their home and investments.

Also if you are concerned that your home could be damaged in a flood, floods are not covered in homeowner policies. If that is concern then we suggest looking into additional flood insurance, since a lot of people assume it’s in a home insurance policy only to find it’s not when it’s too late.
There is also the issue if your home were to be burglarized or vandalized, homeowners insurance also covers damaged caused to lost and/or damaged items in your home. If you have a lot of expensive items in your home, getting a good amount coverage is a smart idea.
Beyond protecting your home, a homeowner’s insurance policy covers you against any liability claims. So if someone were to get hurt on your property you would be liable for any medical costs and lawsuits that would result. Medical costs these days can be extremely expensive, not to mention if it ever went to court, legal counsel can be just as expensive. This isn’t something that anyone really thinks could happen to them, but if it were to, it could really hurt you financially. Getting a good amount of coverage doesn’t have to be expensive either; we can help you find what would be a good amount of homeowner insurance coverage for these types of situations.
There is nothing better than being able to go to bed each night knowing that in case something were to happen, you are financially covered. That’s where homeowners insurance comes in. To get a free homeowners insurance rate quote just Click Here to get started.


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