Understanding Home Insurance with Rancho Del Sur Insurance Services, San Diego, CA
Getting home insurance can provide peace of mind, especially for new homeowners. However, understanding what to look for in a home insurance policy can be difficult. As an independent insurance agency, Rancho Del Sur Insurance Services offers multiple options at the best rates. We are the go-to company for personalized service in San Diego, CA.
Home Insurance Doesn’t Cover Everything
Home insurance offers a sense of security, but it has limitations. Reading your home insurance policy comprehensively will give you an idea of the exclusions and limits you may not be aware of.
Some Dog Breeds May Not Be Covered
Certain breeds of dogs are considered high-risk, and insurance companies may not provide coverage for them. If you own a pet dog, it is better to get informed.
You Choose Your Insurance Deductible
The amount you choose as your deductible must be paid each time you file a claim. It’s not a yearly deductible but a per-occurrence deductible. While a higher deductible can result in lower premiums, remember that you will need to pay this amount to have repairs done on your home.
You Have Choices for Personal Content Coverage
Regarding personal content coverage, a percentage of the property coverage is usually allotted. That said, you can choose coverage based on either the current value of your possessions or the cost to replace these items at present-day prices. Although the latter option may be more expensive, the choice is yours.
Contact Rancho Del Sur Insurance Services in San Diego, CA to discuss your home insurance needs with one of our team members.
