whins insurance encino

Call For Quotes & Service

(818) 233-0825

  • About
    • About WHINS
    • Meet our team
    • Rate Us
    • Referral Program
    • Careers
    • Blog
    • Accessibility
    • Cookie Policy
  • Products
    • Personal
    • Commercial
  • Locations
    • Encino
    • San Diego
    • Palo Alto
    • Fresno
    • Clovis
    • Honolulu
  • Quotes
  • Contact
    • Certificates

Homeowners Insurance

Need a Homeowners Insurance comparison in Encino?

If you’re like most homeowners in Encino, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

homeowners insurance

WHINS Insurance Agency can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.

Regardless of whether you live in Encino or any other part of California, homeowners insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

Encino Homeowners Insurance

If you’re not using an independent agent in Encino like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Common Homeowners Insurance Coverages

These are some common coverages you typically see on a policy:

Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense —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.

Family/Personal Liability — 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. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..

How to get started with your homeowners quote:

Every home is unique, and therefore requires a carefully crafted policy.

If you’d like us to review your current policy and provide you with no obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!

Step 1 of 3 - Your Contact Info

33%
    Select all that apply

Have a great experience?

Online reviews help our agency tremendously. If you've had a great experience, we'd love your review!

Leave review

Ready to start your quotes?

We make the process super easy. When you're ready, click the button below to see how we can help you!

Yes, let's do it!

Visit Our Office

WHINS Insurance
16400 Ventura Blvd
#318
Encino, CA 91436
Get Directions
Fax: 818-561-7117
(818) 233-0825
info@whins.com

Contact Us

WHINS Insurance
16400 Ventura Blvd
#318
Encino, CA 91436
Get Directions
Fax: 818-561-7117
(818) 233-0825
info@whins.com
  • Facebook
  • LinkedIn
  • Twitter
  • Yelp

Quick Links

  • Join our Team
  • Why Choose WHINS?
  • The WHINS Blog
  • Leave a Review
  • Business Insurance
  • Personal Insurance
  • Claims & Billing

Start Your Quotes in Seconds Here

Copyright © 2019 WHINS Insurance Agency. Website by Advisor Evolved.
This website or its third-party tools process personal data.
In case of sale of your personal information, you may opt out by using the link Do not sell my personal information.
×
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT