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Homeowner Insurance

from Escueta Insurance Services

Homeowner Insurance

Your Biggest Asset Needs the Right Protection

For most residents of Burbank, CA and the San Fernando Valley, their home is their largest asset. It can take years of saving to finally get the home of your dreams. What would you do if something happened to it, such as damage by fire or a major storm?

Luckily, homeowner insurance can make sure you don’t have to pay for repairs or rebuilding out of your own pocket. It protects your investment in a variety of worst-case scenarios.

What Does Homeowner Insurance Cover?

Homeowner insurance covers your dwelling itself and pays for serious damage to the structure in the event of a fire, storm, or other unexpected emergencies.

It also protects the contents of your home, such as:

  • Furniture and decor
  • Large and small appliances
  • Electronics
  • Clothing
  • Sporting goods
  • Kids' belongings
  • Other personal property

These items are covered for theft and vandalism as well.

Homeowner insurance provides liability coverage too. This can protect you if someone is injured while on your property and sues you for damages.

Your insurance for liability and personal belongings typically covers you in your house and when you’re away from home, which is a welcome benefit.

It’s Easy to Add Coverage for Special Situations

We can add to your basic homeowner policy to give you even more coverage for unique situations.

Scheduled coverage for valuables

High-value items aren’t always included in every homeowner policy. You can elect to add scheduled coverage for valuables like:

  • Fine art
  • Antiques
  • Collectibles
  • Precious metals
  • Jewelry
  • Firearms
  • Furs

Umbrella insurance for more liability protection

We often recommend increasing liability insurance for certain clients, such as high net worth individuals and dog owners, for example. A personal umbrella policy picks up when your homeowner liability cap is reached and can offer $1 million or more of coverage.

Earthquake insurance for seismic events

California has long been known for its extreme seismic events, and it’s inevitable that we will have more—perhaps another major quake that results in significant property damage. It’s wise to add an earthquake endorsement to your homeowner policy, as earthquake protection is not standard.

Let Us Help You Get the Right Amount of Coverage for Your Home

It can be hard to know how much coverage you need for your homeowner insurance. Our agents can help you. We suggest taking a photo or video inventory of your belongings. This can assist us in creating a coverage amount, and it’s also good to have in the event of a claim.

Our independent agents at Escueta Insurance Services have more homeowner options available for you than you get with the big name carriers, who only offer a few products. You will appreciate the wide selection for every budget and the personalized service we provide for our Southern California clients.

Call us today at 818-840-8010 to discuss your home insurance needs, or get in touch online to start a quote now.