A Homeowners insurance policy provides protection for your home, your belongings, and your personal liability. In determining the value of your overall exposures to potential loss, a number of factors come into play. At Blackwell Insurance Agency, we’ve been helping home owners throughout San Diego and California evaluate their exposures and assisting them in making the right decisions to secure proper protection. We can do the same for you.
How? We’ll pinpoint areas that need particular attention. Knowing if you have a swimming pool, outside property structures, and other variables, for example, facilitates us in providing you with the options you should consider in purchasing the correct coverage for you.
In addition to insuring the structure itself, we’ll take a look at the amount you need to cover your Personal Property, such as furniture, kitchen appliances, electronics, and clothing. We recommend these items are insured with replacement cost coverage so in the event of a loss there is no depreciation. Some of your personal property, such as artwork, jewelry, antiques, and other collectibles, should be appraised and covered as scheduled items on the policy or possibly insured on a separate policy.
We’ll also evaluate the amount of Personal Liability coverage you need. This valuable coverage includes the following:
- Personal liability for you, your spouse, relatives living with you and persons under 21 in your care.
- Protection against claims you are legally obligated to pay.
- Payment of the cost of defending claims against you.
- Medical expenses of others injured on your property.
We’ll help you protect one of your most valuable assets.
Let Blackwell Insurance Agency guide you through your purchasing decisions. Give us a call toll-free at (866) 574-5301, or email us, or complete our quick and easy form for a free quote. And remember, combining your Homeowners coverage with your Auto insurance qualifies you for a multi-policy discount!