Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
Customized Home Insurance Solutions for Susanville, CA
Here in California, where real estate is among the most competitive commodities on the market, buying a home means making an investment that you want to last. To keep yourself, your property, and your family secure, you should have no second thought about making the added investment in homeowners insurance, either.
When putting together a customized home insurance portfolio, you can rely on the dedicated agency team at Pregill Insurance. Not only are we experts in all lines of personal property and casualty insurance, but we can also help you examine a wide choice of policy options to find the one that is best for you. We will account for property value, liabilities and your budget points when helping you design a policy that always offers you expansive protection.
The Benefit of Homeowners Insurance
Homeowners insurance exists because every family dwelling needs security. The right policy can help you protect your financial security against multiple property risks ranging from structural damage to theft of possessions and lawsuits brought by someone who got hurt on your property.
It is imperative to have this coverage because you never know when a damaging incident might strike your home. It is also difficult to guess how costly these losses might be. Homeowners insurance makes certain that you have financial support to settle your damage costs and get on with your life.
Keep reading to learn more about how a customized policy can be of service to you and your family.
Common Homeowners Insurance Questions
Is homeowners insurance mandatory in California?
There is no law that requires you to buy homeowners insurance in California. However, if you finance your home, then your lender might require you to buy a policy for as long as you have a mortgage. You should have coverage in place from the time you close on home purchase.
What home insurance do I need?
A typical homeowners policy comes with several coverage options. Therefore, when building your policy, let one of our agents help you figure out which of the following are right for you:
Dwelling insurance covers your home’s structure against unexpected damage.
Other structures coverage pays for damage to property that is detached from your dwelling such as carports, storage sheds, gazebos or fencing.
Liability insurance pays when you are at fault for property damage or bodily injuries to third parties who do not live in your home. Your policy can compensate them for their losses and cover legal expenses resulting from a lawsuit.
Accidental medical payments coverage pays for a third party’s injury costs regardless of whether an accident was your fault.
Possessions insurance protects your belongings in case of a covered hazard.
You might also be able to expand your coverage to include coverage for collectible or antique items, pet liabilities, excess liabilities, or other unique features within your home. We also offer policies for mobile or manufactured homes in addition to renters insurance.
How much coverage should I buy?
By considering some of the limits of standard coverage, you can better decide where to ask your agent to adapt your policy to better address your household risks.
Possessions coverage pays for damage to most items at their cash value, which is an item’s used value at the time of the loss. You can increase this coverage by buying replacement cost coverage or by buying coverage endorsements on specialty items like collectibles or jewelry.
Most policies do not cover weather-related flood damage or damage from earthquakes. However, you can obtain this coverage from separate policies.
Keep in mind, your policy will include deductibles for certain claims. You agree to pay the deductible cost before your insurer will cover your losses. Always choose a deductible you can afford to pay.
What does homeowners insurance cost in California?
On average, homeowners insurance costs Californians about $1,100 per year. However, there are multiple insurers and policy options available. Each will measure your risk level differently when figuring out your premium. Factors that determine your risk level might be:
You can expect your homeowners rate to vary to be either higher or lower than the statewide average. Our agents understand that you want to be able to get the most affordable coverage you can. To that end, we can help you do all the requisite research to maximize discounts and bundling opportunities.