Home Insurance

Home Insurance

Your home is one of your most valuable assets. Whether you rent or own, it’s important to protect it with a comprehensive insurance policy.

Here are a few questions you’ll need to answer as you look for the right policy:

  • How much coverage do I need?
  • What’s the right type of coverage for me?
  • How do I know I’m not being taken advantage of?
  • Where can I get the best coverage at the lowest cost?

At ISU, we can answer all four questions for you. Call us now at 916-723-3800 and speak with a home insurance specialist today!

If you’re not ready to talk and just want to browse, we can help with that, too. Let’s start by going over the different types of home insurance, along with their insurance industry designations:

  • A home you own (HO3)
  • A home you rent (HO4)
  • Condo owners (HO6)
  • Mobile home (H07)
  • Dwelling, tenant-occupied (DP3)
  • Vacant dwelling or land
  • Earthquake or flood insurance

So what, exactly, does your homeowner’s policy cover? That depends on your assets and policy type. In general, here are the main types of coverage for a homeowner’s policy:

  • Dwelling coverage
  • Other structures (a shed, barn, or detached garage, for example)
  • Personal property/contents
  • Liability/personal issue

That last item brings up a question we hear a lot: how much liability insurance do I need?

  • The limits of liability range from $100,000 to $500,000. How much you need depends on the assets you want to protect. We can help you figure it out – just give us a call!

You’ll also want to keep in mind that not everything is covered by a homeowners or renters policy. Here are a few things that aren’t covered:

  • Earthquake. If you live in an earthquake-prone area, this would need to be a separate policy.
  • Flood. This would also be a separate policy.
  • Maintenance

Ready to take your search to the next step? Call us and tell us what you’re looking for. We’ll give you a free quote, help you sort out your options, and get your home covered!