Home Insurance in California, Texas, Arizona, and Idaho

For most people, a home is the investment of a lifetime. It's important to protect your home with homeowner's insurance adequately. At Rock Hard Insurance Agency in Fontana, CA, we provide homeowner's policies for residents of California.

Homeowner's Insurance Coverage

Homeowner's insurance provides coverage for your home and its contents. If your home or belongings are damaged, your policy will cover the costs of repair or replacement. In addition to protecting you against a financial loss due to the destruction of your property, homeowner's insurance also provides liability protection.

• Property damage: Covers structural damage to your home and other structures on your property
• Personal property loss: Covers damage or loss to personal property inside your home
• Personal liability:Covers liability expenses due to injury or damage to another party's property that occurs on your property

Living Expenses Coverage

Many homeowner's policies also offer living expenses coverage. This will cover your expenses if your home is uninhabitable due to damages or needed repairs. This includes boarding and food costs while you are not living in your home. When faced with unexpected damages or repairs, the last thing you want to think about is covering living expenses.

Replacement vs. Actual Value Coverage

Replacement coverage will cover what it costs to repair or replace your home or your belongings. Actual cash value coverage will cover the appraised value of your home. Typically, replacement value will be equal to or more than actual cash value coverage, because actual cash value takes depreciation into account as well. Replacement coverage usually has higher premiums than cash value coverage. Still, it's a smart idea if you don't have savings to cover any gaps between your coverage and repair or replacement expenses.

At Rock Hard Insurance Agency in Fontana, CA, we work to provide reliable insurance to suit our customer's needs. If you live in California, Texas, Arizona, or Idaho, contact us today to learn more about our home insurance policies.