Home Insurance Policy

The California home insurance policy is one of the most misunderstood policies that you can purchase.

There have been many changes to this type of insurance through the years and what a policy covers can change radically from one insurance company to another.  There are many misconceptions on what is covered and what isn't with a homeowner's insurance polucy.

Our dedicated team will guide you through this selection process to make sure you are comfortable with the various provisions and coverages within the homeowners’ policy.

A good homeowner’s insurance policy will cover:

• Your residence
• Any detached structures, like garages or garden sheds
• Your personal belongings
• Additional living expenses in the event of a loss
• Personal liability
• Medical expenses to others who may be injured on your property

WHINS will provide you with the most comprehensive policy available on the market today which will help to put your life back in order in the event of a catastrophic loss.

Not all home insurance policies are alike. To be sure, there are many insurance companies in the market today that will quote an inexpensive policy but most of them are only giving you the “bare bones” coverage. When quoting your home insurance premium, we will use a full replacement cost valuation to be sure that you can replace your home in the event of a total loss.

We will also make sure you are clear about any areas of the policy that have limitations and exclusions. Items such as earthquakes, landslides and floods are excluded from the policy but may be purchased separately.

Other items such as jewelry, coins and collectible items have limitations in the policy but can be added by providing appraisals and paying a small additional premium.

Discounts are available for newer homes, central station alarm systems and higher deductibles.

As you can see, our protection team understands the way home insurance works. Let us identify the kind of policy and coverage you need when obtaining premium quotations to find the best values.