Homeowners Insurance
Your home is your castle. Does your homeowners insurance protect your house like it should? Your house is most likely your biggest asset. Let us help you review your current policy to make sure there are no unknown gaps in coverage. Call Sackrison Insurance at (707) 931-0186 for a review today.
Homeowners insurance premiums can vary greatly by which city you live in. Let us help you save money on your insurance.
Homeowners insurance premiums can vary greatly by which city you live in. Let us help you save money on your insurance.
Homeowners Insurance Questions
Are all California homeowners insurance policies the same?
No. Though there are state required provisions that each policy must incorporate, each company can offer different policy features, coverage limits and deductibles. Look further down the page for the basic sections of a homeowners policy. Don’t just compare rates- sit down with Sackrison Insurance and review your coverage.
Do I need Flood Insurance?
You may need flood insurance; it will depend upon several things, including whether or not you live in a National Flood Insurance Program (NFIP) participating community. Please feel free to ask us about this often overlooked coverage. Remember two things: your standard homeowners policy does not cover flood loss, and in most cases, a new flood insurance policy does not take affect until 30 days or more after purchase. If you want to discuss flood insurance with us, check out this California consumer web page about flood insurance.
Do I need California Earthquake Insurance?
Four out of five Californians do not have earthquake insurance. Are you one of them? You may wish to rethink this decision. If you do, check out this helpful web page provided by the State of California, then contact Sackrison Insurance for a complete homeowners insurance review.
How does a California homeowners insurance policy work?
Homeowners policies are divided into two sections: Property Coverage (Section I) and Liability Coverage (Section II). Inside each of these sections, there are specific types of coverage:
No. Though there are state required provisions that each policy must incorporate, each company can offer different policy features, coverage limits and deductibles. Look further down the page for the basic sections of a homeowners policy. Don’t just compare rates- sit down with Sackrison Insurance and review your coverage.
Do I need Flood Insurance?
You may need flood insurance; it will depend upon several things, including whether or not you live in a National Flood Insurance Program (NFIP) participating community. Please feel free to ask us about this often overlooked coverage. Remember two things: your standard homeowners policy does not cover flood loss, and in most cases, a new flood insurance policy does not take affect until 30 days or more after purchase. If you want to discuss flood insurance with us, check out this California consumer web page about flood insurance.
Do I need California Earthquake Insurance?
Four out of five Californians do not have earthquake insurance. Are you one of them? You may wish to rethink this decision. If you do, check out this helpful web page provided by the State of California, then contact Sackrison Insurance for a complete homeowners insurance review.
How does a California homeowners insurance policy work?
Homeowners policies are divided into two sections: Property Coverage (Section I) and Liability Coverage (Section II). Inside each of these sections, there are specific types of coverage:
- Coverage A – Dwelling
- Coverage B – Other Structures
- Coverage C – Personal Property
- Coverage D – Loss of Use
- Coverage E – Personal Liability
- Coverage F – Medical Payments to Others