Wai Cheng Insurance Inc. in Bay Area, CA is happy to help the area residents with all their insurance needs. When you go to buy a home, you also need to get homeowner’s insurance. However, you may be overwhelmed by all of the choices that you may have. There are different prices because some cover more than others.
That being said, a standard homeowner’s insurance will cover basically the same things.
These include:
Repair and replacement. Most standard insurance policies will cover the cost to repair and replace your home (and everything in it) if there is damage. This may be due to fire, smoke, or even storm damage. Most also cover damage due to theft and vandalism.
Outbuildings. Most policies will cover the repair or replacement of outbuildings that are on your property, such as garages and barns. If you have a swimming pool, swing set, or fence, that may also be covered.
Alternative lodging. If your home is severely damaged, and you need to live elsewhere, your expenses may also be paid by your insurance company.
Liability. Liability will protect you if someone gets injured on your property. It will pay for their medical expenses. If you are sued, it will help to cover your legal fees.
Though you may want to save some money, the truth is that you need to have homeowners insurance. It will cover the expense of fixing your home, as well as any outbuildings that you may have. It also covers liability, which will protect you in case someone is seriously injured at your home.
Get Home Insurance Today
If you want to make sure that your home is protected in the Bay Area, CA, don’t hesitate to contact us today at Wai Cheng Insurance Inc.
