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Homeowners Insurance Protecting Your Home

Orange County, Mission Viejo, Lake Forest, Laguna Hills, Aliso Viejo, Foothill Ranch, Rancho Santa Margarita, Laguna Niguel, San Juan Capistrano, Laguna Beach, Irvine and San Clemente, California

What Our Customers Are Saying:
"Thank you for all of your efforts on our behalf to obtain the best affordable insurance plans for auto and home. We were greatly impressed with your willingness to do the research necessary to meet our objectives in a timely manner. We also were pleased with how you partnered with our lender and escrow company to ensure we had an on-time closing for our new home." Paul .G., San Juan Capistrano, CA View more testimonials

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Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

 

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy discounts by combining your home insurance with your auto, earthquake, motorcycle, RV, business even dental or health insurance. Discounts are also available if you have a security system and fire resistance.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 
Check out our 2 minute video from Chubb on how Homeowners Insurance works.



Thank you for your interest in Metro Coast Insurance Services, Inc. Ready to begin your homeowners insurance quote? Use our quote form here. If you would like to speak with one of our insurance professionals you can contact us via email or call 949-238-6399. Our agents are ready to provide honest and fair policy and pricing options.




 
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