Home Insurance in Redding CA and Corning CA
Providing Homeowners Insurance to Redding, CA and all surrounding communities
Protecting your home is one of the most important duties of being a homeowner. But no matter how much you update your alarm systems or reinforce your home against storms, accidents are bound to happen. That is why you need a home insurance policy you can rely on in case of a disaster.
A reliable home insurance policy will let you rest easy knowing you’re covered. At Berry Curtis Insurance, our insurance professionals will help you and your family tailor an insurance policy specifically for your home.
What Does Home Insurance Cover?
A basic homeowners insurance policy typically includes:
- Dwelling Coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures caused by fire, wind, hail, lightning, smoke, falling objects, vandalism and more.
- Personal Belongings Coverage: Personal belongings coverage provides compensation if your personal items are lost or damaged due to fire, smoke, theft, vandalism and more.
- Liability: Liability coverage under home insurance covers bodily injury and property damage someone else may suffer on your property. If someone is injured in your home, this insurance can help pay for the victim’s medical bills. It can also protect you from a lawsuit related to certain accidents.
- Additional Living Expenses: Additional living expense (ALE) coverage helps with the costs of temporarily moving in case the home is rendered uninhabitable by a disaster.
Replacement Cost vs Actual Cash Value
You have two options when it comes to personal belongings coverage on your home insurance policy: replacement cost value and actual cash value. This refers to how compensation will be calculated if your file a claim for your personal belongings.
An actual cash value policy will compensate you for your lost items after accounting for depreciation. This means that as the value of your items decreases, so does the amount of compensation you may receive.
A replacement cost value policy will compensate you without accounting for depreciation.
Insure with Berry Curtis Insurance
Protect your home with the policy you deserve. Connect one on one with an insurance agent from Berry Curtis Insurance today at (530) 223-0637 or fill out an to get started.
Common Home Insurance Questions
How Much Home Insurance Do I Need?
In general, it is recommended that you carry enough home insurance to cover the total replacement cost value of your home. This number differs for everyone, so call (530) 223-0637 to discuss your insurance needs today.
How Much Does Home Insurance Cost?
Home insurance premiums vary depending on your location, claims history, coverage limits, deductibles, value of your home, credit score and more. Fill out an to find out how much you can save on home insurance.
How Often Does Home Insurance Increase?
Home insurance premiums tend to rise each year, but they can rise at almost any time. If you file a claim during the year, your premiums may show the effects immediately
How Do Home Insurance Claims Work?
After you file a home insurance claim, someone from the insurer will investigate the claim to calculate how much compensation you will receive based on the damages and your policy. Once a claim is approved, you should receive compensation for the damages.
Types of Coverage:
The Importance of Personal Liability Insurance
Imagine something major going wrong in or around your home such as a guest getting hurt or someone’s valuable personal property being seriously damaged. Personal liability insurance makes sure that you are covered in the event legal action is taken against you in such situations. With this coverage, your financial assets are kept safe from the results of any litigation -- for better or worse.
Why You Need Property Insurance
In the event your home experiences devastating weather -- say, a fire, a hailstorm or dangerously heavy snow build-up -- property insurance can keep you protected. In times of crisis, property insurance provides you security when your residence is damaged.
Take the Next Steps Forward
You can’t afford to risk unpredictable forces and let this critical investment go unguarded. We offer several forms of coverage to suit all kinds of situations. We’ll build a policy shaped around your specifications. Please request a quote or contact us to learn more. Contact Berry Curtis Insurance today.