Los Angeles, California Home Insurance
Your home is the usually the biggest purchase you will make and is your most valuable asset. If you have any damage, you need a California insurance agent that will find the best company to fit your needs and settle your claims quickly. At Casurance Agency Insurance Service, LLC, we will help you find the right fit for your needs with providing quality service and affordable pricing.
Homeowner policies will differ on where you live, the valuables in the home and which coverages you choose. A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.
At Casurance Agency Insurance Service, LLC, we have the home insurance specialists that can tailor a specific package to your needs and risks. We have access to many top rated companies to find you the best fit at a fair price. We can quickly compare rates to ensure you don't have any gaps in coverage down the road.
Homeowners insurance policy coverages in Los Angeles, California
- Property Coverage - to pay for repairs to your home, garage or other buildings that are damaged.
- Personal Property - if you have a loss of valuables in your home like jewelry, electronics or guns due to theft or damage.
- Liability - this will cover if there is a claim when someone is injured or their property is damaged.
- Medical Expenses - this would be medical coverage for someone that is injured, other than a resident, on your property.
- Living Expenses - if you have a complete loss, you may need extra temporary housing or food when you're forced from your home.
There may also be other coverages that you many want to consider in addition to your basic homeowners policy. These may include personal umbrella, automobile, flood, earthquake or jewelry insurance. Our agents at Casurance Agency Insurance Service, LLC can help you understand your other risks and help you evaluate whether you may need additional coverages in your California home insurance plan.
Here are some additional lines of insurance that we service:
- 1-4 Family Homes
- Beach Homes
- High Value Homes
- Rental Dwelling
- Secondary Residences
- Tiny Homes
- Vacation Homes
So, contact us today at 1-888-254-0089 to find out more about home insurance in Los Angeles, California including the Los Angeles, Orange County, San Francisco, San Jose, and Sherman Oaks areas.
Your home is more than bricks and mortar. It’s full of memories and you're reflected in every detail. So if you experience a claim, you’ll want more than a check from your insurer. You’ll want your life back, and to rebuild without hassles, headaches, or delay.
CHUBB High-Value Home Insurance
Luxury Home, Auto & Excess Liability Protection
- 97% of customers surveyed would recommend Chubb to a family member or friend
- Exceptional claims service, extended replacement cost & cash out option
- Broad Liability limits available, ranging from $1 million to $100 million
- Package discounts for adding Auto Insurance, Excess Liability & Fine Arts
- Homes Values as high as 100 Million.
What goes into my home insurance premium?
The main factors that determine your premium and the cost of your insurance are your home’s location and the possibility of being affected by natural disasters, the amount of coverage you need, the deductible you’ve chosen, your home’s protective and preventive devices, your claims and/or bill-paying history, your credit score (if permissible), the unique characteristics of your home, the type of coverage your choose, how long you’ve been a client, and other Chubb products you might have that generate a discount when bundled.
What Is Replacement Cost Coverage?
Replacement cost coverage means that your home’s coverage amount is based on its replacement cost – how much it would cost to rebuild it as is, with the same level of detail and finishes. It takes into account costs at the time of a loss, such as materials, labor, architect and designer fees, lighting, and custom design finishes. Plus, with extended replacement cost coverage, Chubb will pay to rebuild or restore your home after a covered loss, even if the cost exceeds your policy limits, which could include upgrades required to keep up with modern building codes.
Chubb Masterpiece® Homeowners Coverage Highlights
Extended Replacement Cost
With extended replacement cost coverage, after a covered loss Chubb will pay to have your home repaired or rebuilt to its original condition-even if the cost exceeds your policy limit. We will even pay for upgrades made necessary by the loss due to modern building codes.
Temporary Living Arrangements
If your home cannot be lived in due to a covered loss and you need a temporary residence while your house is rebuilt, Chubb will help you find a place to stay where you'll be comfortable, whether that’s at a similar home in your school district if available or a suitable hotel.
Through complimentary home appraisals, Chubb's highly trained risk consultants will visit your home to carefully note the things that turned your house into your home and make sure you are fully protected. Our risk consultants also assist with security and fire prevention advice.
In the event of a covered total loss, if you decide not to rebuild or to rebuild at another location, Chubb offers a cash settlement, up to your policy limit. The choice is yours.
Replacement Cost Coverage
In the event that the things inside your home are damaged, Chubb will replace all the details that turned your house into a home, from upgraded appliances to custom cabinets, flooring or carpentry. Plus, we’ll replace upgraded appliances based on the exact or latest model available. We’ll make sure your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy. And Chubb doesn't require you to replace them. You may choose a cash settlement instead.
Extras aren't extra with Chubb. A Chubb homeowners policy includes extra coverages to help protect you in unexpected situations, ranging from tree removal after a storm, restoration of electronic data destroyed by a computer virus, or lock replacement if your keys are lost or stolen. Chubb clients can also benefit from HomeScan, which can reveal leaks, missing insulation, and faulty electrical connections before damage happens.