Protect Your Valuable Possessions with Home Insurance

Home insurance is a type of coverage that protects you financially after your home or the belongings within it are damage or lost. Also known as homeowner’s insurance, home insurance is almost always required if you are financing your home, but it’s also a smart investment if you own it outright. It not only protects your physical property, but also protects you financially if someone is injured on your property. If you live in Alameda, Berkeley, San Francisco, San Leandro, or nearby California, contact Larry Fu Insurance Agency to learn more about home insurance and get a free quote.

We can create a homeowner’s insurance policy to meet any client’s need. These policies can vary greatly in terms of monthly premium, deductible and coverage levels.

Your Home’s Physical Structure and Belongings

Basic home insurance policies provide financial reimbursement if the physical structure of your home or any of your property within it is damaged, as well as indirect costs related to repairs.

This could mean interior or exterior damage, loss or damage to your furniture, electronics or other property stored within your home. It can cover the cost of repair or replacement of your personal property and even of your home itself. It’s crucially important that you choose a policy with the right level of coverage for your property and belongings. You’ll need to carefully itemize anything of value in your home to make sure you’re fully reimbursed in the event of a loss.

If you need to stay in a hotel or other type of lodging while your home is being repaired, your homeowner’s policy can cover that cost, as well.

There are many types of perils covered by home insurance. They include:

  • Burglary
  • Vandalism
  • Fire
  • Windstorms, lightning and hail
  • Explosions
  • An aircraft or vehicle collision with your home

Basic policies do not, however, typically cover floods, earthquakes, mudslides or sinkholes. If you think you also need flood or earthquake coverage, ask us about your options.

Injuries and Lawsuits

Most basic home insurance policies also include personal liability coverage. Personal liability provides reimbursement for the cost of medical care if someone is injured on your property. These may include hospital costs, surgery, X-rays, and even lost wages or funeral costs if the person dies. It also reimburses the cost of your legal fees if the person sues you. If you are away from your home and cause damage to another’s property, your liability coverage may also reimburse the cost of repairs or replacement, as well.

We’re Here to Help You Protect What Matters

If you’re looking for a home insurance policy with competitive premiums and the right level of coverage, Larry Fu Insurance Agency is here to help. We help clients in Alameda, Berkeley, San Francisco, and San Leandro find peace of mind with affordable premiums. Contact us to get started.