California Home Insurance
Protecting homes in Oakland, San Francisco, and all of Alameda County and San Francisco County since 1925
For most of us, our home is not only the center of our daily life — it’s also our most valuable asset. That’s why having the right homeowners insurance is so important.
If your home were damaged or destroyed, would your homeowners insurance policy provide enough coverage to get your life back to normal? Brignole & Ghiri Insurance can help you find homeowners insurance in California that will best meet your needs and provide the most valuable combination of price and coverage.
Whether you live in a house, an apartment, or a condominium – the right home insurance policy can provide you with peace of mind as well as the money you need to repair or replace your home and belongings.
About Homeowners Insurance in California
Insuring your home in California provides financial protection if you suffer a loss due to fire, theft, vandalism, or other covered event. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
It’s up to you to choose the right policy for you. Whether you’re a homeowner, a renter, or a landlord, Brignole & Ghiri Insurance will help you to find a home insurance policy that fits your needs and your budget. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
How Much Does Homeowners Insurance Cost in California?
How much you pay for homeowners insurance differs by several factors, including:
- Your coverages. Most homeowners insurance coverage options are priced individually. So how much you pay will depend on which coverages you choose.
- Your deductible. Your premium is most often affected by your deductible, the amount you pay toward a loss before your coverage kicks in. Selecting a higher deductible will generally lower how much you pay for homeowners insurance.
- Your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
What Does Homeowners Insurance Cover?
In general, a homeowners insurance policy will provide coverage for:
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Every home is unique – talk to us today to learn more and to find out how to get the best price and value on homeowners insurance in California.