Home


Home

You have made a large investment by purchasing a home. Sleep soundly with the protection of a Homeowners Insurance policy from Ovalle Insurance Services! Homeowners insurance protection is crucial when owning a home.

You  have made a large investment by purchasing a home. Sleep soundly with  the protection of a Homeowners Insurance policy from Ovalle Insurance Services!  Homeowners insurance protection is crucial when owning a home. A homeowners insurance policy, or home insurance policy,   means coverage for assets inside and outside of your home.

Looking for Home Insurance in California?

Having  homeowners insurance, or home insurance, guarantees you are  compensated for losses to your home and your possessions inside it.  Purchasing a homeowners policy provides added protection for your  biggest investment. Home insurance also protects you if you’re found to   be liable for someone’s injuries on your property. This policy will  also  protect you from financial losses caused by storms, fire, theft  and  other events outlined in your policy. Call Ovalle Insurance Services today to get a policy started.

Looking for Renters Insurance Policy? We sell that too!

Familiarize Yourself With Common Homeowners Insurance Terms:


A- Dwelling

B- Other Structures on Your Property

C- Personal Property/Contents

D- Loss of Use

E- Personal Liability Protection

F- Medical Payments


Dwelling  coverage protects your home’s structure against the  damage and  possible loss from a covered event such as a wind, hail,  lightning or  fire. (Note: Earthquake and flood insurance will require a separate policy. Talk to an agent today about earthquake and insurance). This part of your insurance policy will pay to replace the home’s structural components.

Other Structures  such as detached garages, buildings or sheds on your property are also  protected by a standard homeowners policy. Typically, the coverage for  other structures is 10% of your dwelling coverage although higher  amounts are available if you wish to purchase them.

Personal Property comes  standards with a homeowners insurance  policy and protects your items  within your home or on your property  should they be stolen, lost in a  fire or damaged otherwise by a covered  loss. These items include, but  are not limited to clothing, furniture  and other personal items.

Loss of Use   will provide you with living expenses in the  event your home is not  livable due to a covered loss. This type of  coverage will usually cover  the cost of a hotel, restaurant bills and  other living expenses while  your home is being repaired.

Personal Liability Protection   protects you from bodily injury  or property damage lawsuits in the  event someone files a lawsuit  against you. This also includes things  like your pet biting someone  through a fence.

Medical Payments  coverage pays medical expenses for a non-resident who may have been injured while on your property.