Home Insurance is what makes your house a home - By: M. Jukov

Our home is not just a brick, stone or wooden building in a beautiful neighborhood, it is probably one of your favorite places in the world; a place where you feel safe, secure and comfortable. They say love makes a house a home, but people working in insurance companies joke that what really makes a house a home is home insurance. And they are right: the love of your life can betray you, dump you or divorce with you, but an insured house will always be your refuge and shelter. I bet the reason why you are reading this article is because you have already bought a house and are thinking about a house insurance company or you are planning to do it in the nearest future. Well, just imagine for a second that a gorgeous house you have just bought, your most desired investment, your biggest dream all of a sudden got damaged by vandalism, fire, lightning, explosion, riot, windstorm, flood or volcanic eruption! Or maybe all your most expensive and precious belongings got stolen by some graceless thief! Or Lord Forbid a civil war broke out on the territory of your city and your house got ruined in the course of indiscriminate bombing! Of course you think that such things won’t happen with you, and definitely won’t happen with you in the nearest future. But what if luck turns its back on you? Thousands of houses without home insurance get damaged or ruined every day. Do you want to be one of those poor house owners, who no longer have a place to live? I think no, so it’s high time we spoke about the basics of house insurance.

Home insurance that can be also named hazard insurance or homeowners insurance (HOI), is the type of property insurance that covers private houses. It is a policy that unites different personal insurance protections, including damages to one's home, its contents or loss of its use, and also liability insurance for unforeseen accidents. The insurance policy is a long document that states what will and what will not be paid in case of different circumstances. House insurance coverage can be divided into several categories. For each policy, there are usually six types of coverage. For example you are shopping for a standard home insurance in Santa Cruz CA. You should know about six different classifications of coverage your home insurance company can offer:

1. Coverage A- Dwelling
2. Coverage B- Other Structures on Your Property
3. Coverage C- Personal Property/Contents
4. Coverage D- Loss of Use
5. Coverage E- Additional Coverages
6. Coverage F- Exclusions

Dwelling – covers the value of the home itself, insures against the damage and loss of your house as the result of such cataclysms as hurricanes, hail, lightening or fire. Additional policies are needed in the case of a flood or an earthquake.

Other Structures – protects other structures around the property which are not used for business like detached garages and other detached buildings on your property.

Personal Property – includes personal property which may include furniture, clothes, equipment, etc. in the case it is stolen or destroyed.

Loss of Use – provides for your living expenses in the case that you can no longer live in your house. This coverage usually covers hotel and restaurant bills and other expenses that can occur while you are temporary not living in your house.

Additional Coverages – includes such expenses as reasonable repairs, damage to trees and bushes for certain named dangers, removal of property, credit card / identity card theft, landlord's furnishing, and several types of building additions. The above mentioned may vary according to the form chosen.

Exclusions – This section will cover specific exclusions. Generally it may include neglect, war, nuclear attack, intentional loss or natural disasters as earthquakes, floods.

There is a great variety of agencies that provide home insurance in Santa Cruz and it is not that easily to choose the one that is right for you. First of all you should select a company that provides comprehensive coverage at lowest rates. Christensen & Ebert Insurance and Financial Services, INC is an independent, full-service insurance agency and is one of the leaders on this highly competitive market. This team of highly qualified experts has broad knowledge base and great experience offering Santa Cruz house insurance for more than 15 years. As opposed to their competitors at Christensen & Ebert you will be pleased to find great service at moderate costs. If you are interested in home insurance Santa Cruz CA you are welcome to stop by and get a professional consultation about any type of house insurance you are interested in.

Home is your largest asset, don’t hesitate and protect it with the help of a home insurance policy.

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