California Home Insurance

Independent agency serving the home insurance needs of Sonora and all of California since 1976.

Your home is your most valuable asset and an integral part of your daily life. That’s why having the right homeowners insurance policy in California is so important. If your home were damaged or destroyed, would your policy offer enough protection to get your life back on track?

Roger L. Stevens Insurance Agency, Inc. of Sonora, CA can help you find a homeowners insurance policy that will offer you the protection you need at a price you can afford.

About Homeowners Insurance in California

Homeowners insurance offers financial protection if you suffer a loss to your home due to fire, theft, vandalism, or other covered event. In addition to providing protection for your home, the right policy will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

How much does homeowners insurance cost?

The amount you pay for homeowners insurance in California will depend on several factors, including:

• The coverages you select. In most cases, coverage options for home insurance are priced individually, so how much you’ll pay for your policy depends on what coverages you select.
• How much you want to cover. The amount you pay is heavily influenced by the estimated replacement cost of your home.
• Your deductible. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you have a $1,000 deductible, you would be responsible for paying the first $1,000 of a covered loss.

What does homeowners insurance cover?

Every homeowners insurance policy is different, but most policies provide the following coverages:

Property or Dwelling Coverage
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Personal Liability Coverage
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.

Medical Coverage
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.

Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses — commonly for up to 24 months — while damage is assessed and your home is repaired or rebuilt.

Personal Property Coverage
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Every home is unique – talk with us today to find out how to get the best price and value on homeowners insurance in California.