California Personal Homeowners Insurance

Purchasing Personal Homeowners Insurance Protects your Largest Investment: Your Home.

Purchasing personal homeowners insurance can get confusing, and at Heffernan Insurance Brokers we understand this. Although you are not legally required to purchase insurance on your home, many mortgage companies are requiring it as part of their finance agreements with home owners. If you are faced with the sometimes daunting task of shopping for personal homeowners insurance, don’t fret! Heffernan Insurance Brokers is an independent insurance agency that can shop multiple carriers to get you the best insurance on your home.

Typically, a basic personal homeowners insurance policy will cover the following:

• The structure of your home
• Replacement costs
• Personal possessions (up to a set limit)
• Living expenses in case of a disaster
• Liability

You can also add supplemental policies such as:

• Valuable Articles/Floater policies (i.e. Jewelry Insurance)
• Flood policies
• Earthquake policies
• Umbrella policies (additional liability)
• Animal Liability (liability issues due to household pets)

The needs of every homeowner are different and your personal homeowners insurance policy should reflect that. The agents at California's Heffernan Insurance Brokers will create a personal homeowners insurance policy that will provide you with comprehensive insurance on your home. We will provide you with a home insurance comparison that will allow you to choose the best rate and best coverage for your needs. Contact us today for more information on our comprehensive personal homeowners insurance policy options.