Aug 14, 2014

Posted by in Insurance | Comments Off on Riverside County CA Homeowner’s Insurance

Riverside County CA Homeowner’s Insurance

Standard homeowner’s insurance in San Jacinto CA does not cover damages and injuries related to earthquakes. By state law, an insurance agency must offer you earthquake insurance for an additional cost. A standard homeowner’s insurance policy covers the house’s exterior, detached property (e.g. garages or sheds), personal property inside the home, medical costs to other injured parties, liability, and the loss of your home. If you’re interested in getting a quote on homeowner’s insurance in San Jacinto CA you’ll want to contact Speedway Insurance Services Inc.

Speedway Insurance Services specializes in value and customer service. The agency strives to find you the most comprehensive coverage you need at the best economical price. When you take out a policy with Speedway, the agency gives you more than one option. As one of the agencies in the San Jacinto CA area that processes the most policies and has one of the largest customer bases, the agency can offer lower prices than the competition. The insurance industry considers Speedway Insurance Services a third-party broker. This means that the agency re-sells homeowner’s insurance policies from direct carriers, such as AllState and State Farm.

Based on your needs, Speedway Insurance matches you with the best homeowner’s insurance policy available. Your coverage needs will depend on the value of your personal property, the value of your home and its location. Your preference for out-of-pocket expenses will also have an effect on your premium costs. The higher you’re able to raise your deductible, the lower your monthly premium will be. If your home is located in an area prone to safety issues or natural disasters, your premium costs will be higher.

Before you obtain quotes for your homeowner’s insurance, you’ll want to have a general idea of the value of your personal belongings. This includes everything you keep in your home, such as furniture, jewelry, computers, and other electronic equipment. While an insurance agent can help you determine an approximate value, you will ultimately be responsible for determining this number. If you feel you need additional coverage for your personal items, you will be able to purchase additional coverage beyond your standard policy limits.

 

          

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