Your home says a lot about you; it’s where life unfolds and memories are made. Perhaps you can’t imagine living anywhere else. As important as your home is to you, it is just as important to us to make sure your home is insured so you can continue to make those memories.
Firstly, in most cases, homeowner’s insurance is a requirement. Nobody purchases a home with the intent to destroy it, but in the spirit of protecting their financial assets, many lenders and mortgage brokers will not approve your loan if you cannot prove your home is adequately insured. In fact, if you refuse to pay for home insurance, the Consumer Protection Financial Bureau states that your lender is allowed to purchase insurance for you, often at a much higher rate with limited coverage.
Thankfully, our wallet-friendly homeowner’s insurance policies protect what’s necessary: your home and everything in it. But our coverage also extends past the limits of your property. If you are financially or physically responsible for damages done to another property, our policies can help cover you. In addition, you may also qualify for up to $25,000 in reimbursements for “green” home remodels!
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Have a condo or townhome? Our Condo and Townhome Insurance page here will have more information.
Each provide tremendous flexibility – you can raise or lower limits in virtually every type of coverage, and add or change coverage. Your agent can show you how each change will affect your premium.
Designed for homeowners who are just starting out, the Standard package balances affordability with features that really matter. This package also makes it easy to choose higher limits for a few unusually valuable items.
Established homeowners tend to want more – the Enhanced package accommodates higher policy limits and includes several extra features like covering the costs to replace your roof and contents without deducting depreciation.
The Next Generation package comes with the highest limits and coverage on personal property, and can include Guaranteed Replacement Cost coverage for your home if certain requirements are met. When Guaranteed Replacement Coverage applies, we will reimburse 100% of the cost of rebuilding after a covered loss on the same premises, regardless of your policy’s limits.
*Outside of California, this is called the Premier package. Ask your agent for details.
With Eco-Rebuild coverage, you can receive up to $25,000 toward the extra cost of replacing materials and appliances with “green” alternatives.
With Contents Replacement Cost Coverage, you’ll be reimbursed for the cost of buying, for example, a new television of similar quality — not what your old TV was worth.
Identity Shield can help with losses and expenses if your identity is stolen — you’ll also receive help resolving the crime and replacing certain documents.
Earn $50 toward your deductible each year your policy remains in-force.
Receive a discount if you’ve been claim-free for three or more consecutive years — even if you’ve recently come to us from another insurer.
If you’ve been claims-free with us for five continuous years, this benefit prevents your premium from increasing as a result of your next claim.
Liability coverage helps if a friend or guest is injured on your premises.
With Contents Replacement Cost Coverage, you’ll be reimbursed for the cost of buying, for example, a new television of similar quality — not what your old TV was worth.
Identity Shield can help with losses and expenses if your identity is stolen — you’ll also receive help resolving the crime and replacing certain documents.
Many lenders and mortgage brokers may also require natural disaster insurance, depending on your area. We offer highly competitive rates for flood, fire, and earthquake insurance, so if you are interested in (or required to get) natural disaster insurance, give us a call! If you’d like to read more before pulling the trigger, you can learn everything you need to on our Natural Disaster Insurance page here.
Do you frequently host parties or gatherings at your house? Sometimes the normal homeowner’s limit isn’t enough to cover the potential tens of thousands of dollars a single accident can cost. Considering medical fees, potential legal fees, lost wages, and more, umbrella insurance can help by providing up to $10 million higher coverage for less than $1 a day per $1 million. If you’d like to read more, we have a whole page dedicated to Umbrella Insurance here. And of course, a Golden Sunrise Insurance agent is only a call or click away!
