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Homeowners insurance provides basic financial protection from damage to your property and liability for injuries. Your policy may also cover property damage you or members of your family cause to others.

For coverage to apply, the property damage must be direct physical loss or damage to the insured property. Damage from many perils and risks are covered under your homeowners or rental policy, but there are exceptions. Your policy will typically designate coverage for 'all risks' or 'named perils'. An all risk policy covers all perils except those that are specifically excluded. A named risk policy only covers those perils that are specifically listed in the policy. The most significant exclusions in most policies are damage caused by water, earthquakes and neglect. However, you can purchase separate endorsements to cover damage caused by flood or earthquake. Whether or not there is coverage depends on the language in the policy. Be sure to read your policy carefully and discuss coverage with your agent.

In addition to covering physical damage to your dwelling and its contents, your homeowners policy provides some protection from liability for claims made against the homeowner. This usually include damages arising from the home itself or the front yard when for example a visitor slips on the sidewalk and falls. Most homeowner policies provide some basic coverage for bodily injury and medical expenses. This coverage can be increased with additional premiums.

Many homeowners do not adequately prepare for a home related loss. Be prepared - take a complete inventory of your home. Include photographs of your personal belongings in each room. Using a video camera is even better. Write down each item and record as much information about the item as possible including date of purchase, serial number, estimated value etc. You should also list or photograph any unique features of your home such as expensive flooring or antique furniture. The more complete your inventory and photographs are, the easier it will be for you to recreate the list to support your claim in the event of a catastrophic loss. Be sure to store a copy of the inventory, photographs and video tapes at an offsite location such as a bank vault or family members home so they can be recovered.

Our customers come from Los Angeles, San Diego, San Jose, San Francisco, Long Beach, Fresno, CA and other great cities in the golden state to find cheap homeowners insurance from top rated insurance companies. Our California insurance agent and broker referral network can help you compare rates from the comfort of your home.