Our biggest concern is for you to be insured to value. There is no greater loss than when a claim is presented, and the coverage falls short to pay the loss in full. At Christensen & Ebert we will make sure you understand where your current shortfall may be with your existing policy, and show you the alternatives available. Call today for a free quote.
Santa Cruz Home Insurance
Your Santa Cruz County Agent
For most of us buying a house is one of the biggest steps we take in our lives, and it will also be our most valuable possession. The point of having home insurance is to protect your investment and to provide you with peace of mind that in the event of a loss your property can be rebuilt, and your personal belongings replaced. In addition to the standard coverage you can also elect to schedule certain personal property to allow for higher limits of coverage. Among those items are Jewelry and furs, art, firearms, computer equipment, and silverware. With farmers you can also elect to have Identity Shield coverage that assists in resolving of identity theft events, advocacy for the prevention, and replacement of selected important documents.
Dwelling Coverage: Our biggest concern is for you to be insured to value. There is no greater loss than when a home insurance claim is presented, and the coverage falls short to pay the loss in full. At Christensen & Ebert we will make sure you understand where your current shortfall may be with your existing home insurance policy, and show you the alternatives available.
Separate Structures: Which are detached structure like a tool shed or detached garage are covered at a minimum of 10% of the dwelling limit. This of course would be higher when the house has extensive detached structures. Each house needs to be reviewed to make sure this coverage is adequate.
Contents: Again your contents are determined at a % of the dwelling amount. Most people look at the figure and feel it is way too high. Remember we are looking at the whole picture. When replacing all items a person owns, each plate, and item of clothing you can see that amount needs to be high. Your personal property is covered anywhere in the world. So if travelling and your luggage is stolen or lost, your coverage would apply.
Liability: Your liability coverage will protect you and your qualified household against potentially negligent acts. Remember the cost to defend yourself in a lawsuit can be extreme. Your liability policy is there to protect you.
Loss of Use: The standard policy will cover additional living expenses up to 24 months (this is policy dependent, please call us if you are interested in this specific coverage) if your home is deemed unlivable. The amount of coverage is again based on the initial amount you select for the property.
Professional or Occupational Discounts Available for Home Insurance
Farmers and Mid-Century are currently offering discounts of 10-15% for any customers in the following fields:
- Accountants
- Architects
- Aviation Professionals
- Dentists
- Educators
- Engineers
- Firefighters
- Lawyers
- Librarians
- Doctors
- Police Officers
- Real Estate Agents
- RN’s
- Scientists
- Small Business Owners and Officers
- Veterinarians
Even Retired Professionals in any of the above groups.
Call us today for a free quote.