Homeowners insurance is a versatile protection plan that covers your home and your livelihood when the unexpected happens. Heiland Insurance Agency in Temecula, CA work with several insurance companies to provide the right coverage for each family. Contact us for a quote on a homeowners insurance policy that will protect your family when you need it most.

A Comprehensive Approach to Homeowners Protection

Homeowners insurance is known as a “multi-peril” policy. That is, it protects you financially should several types of events occur. There are two types of coverage typically included in a homeowners insurance policy.

Property Coverage

Property coverage protects your home, other structures on your property, and your personal property in your home and on your property. Property coverage provides protection in the event of:

• Fire
• Theft
• Wind
• Vandalism

Should one of these events cause damage to your home, property, or personal belongings on your property, your policy will cover certain expenses. These include, but are not limited to: repair costs for structural damage, replacement costs for fixtures like plumbing, and replacement of damaged or missing personal belongings. We can also ensure that your policy covers the cost of living expenses if you cannot live in your home during repair.

It is important to note that flood insurance is not included in homeowners insurance. If you need flood insurance, we can help you explore flood protection programs through the National Flood Insurance Program, run by the federal government.

Personal Liability

Personal liability is a second, equally important element in your homeowners insurance policy. Personal liability protects you financially if you or someone who lives in your home is held legally responsible for injury to another or damage to his or her property.

Personal liability can be designed to cover several instances where injury or damage occurs on your property or is caused by a member of your household. Examples include a slip and fall injury on your property, or a broken window caused by your child at another person’s home. Personal liability insurance does not cover you in several other instances, such as auto accidents.

Personal liability is a two-pronged type of protection. First, it reimburses certain financial costs associated with repairing or replacing damaged property and can cover other parties’ medical costs associated with an accident. Second, it provides legal defense if you are sued because of an injury or property damage.

Protecting Your Home and Your Livelihood

No one can plan for the unfortunate events that sometimes occur in life. When the unexpected happens on your property or involves a member of your home, homeowners insurance can provide some much-needed protection. At Heiland Insurance Agency, our certified insurance agents provide the professional guidance you need. We can help you choose the right coverage levels, premium payments and any additional types of protection you need. Contact us for homeowners insurance in Temecula, Murrieta, Riverside and surrounding communities for a consultation and free quote.