Costa Mesa Homeowner’s Insurance

When it comes to Costa Mesa Homeowners Insurance, we at Excelsure Insurance are the experts. We take your home and the protection of all of your assets to heart. Crafting an insurance solution for you that takes into account your specific needs and assets.

Owning your own home is a real achievement and you should be congratulated for having accomplished that. Whether you own it outright or still have a mortgage, the right insurance cover is not something that you should take for granted. Policies do change and most of us don’t read the notices that the insurance company sends out notifying of changes to policy wording. Who reads the policy in the first place, let alone care about a bit of wording in legal language? You should, because that is going to be the guiding document for what is and is not covered in case an accident occurs.

You should revise your home insurance policy and your level of coverage annually – but you’ve heard that before haven’t you and who wants to be continually going over their insurance? The solution might just be to contact an experienced professional that can assist you in figuring out what is and is not needed. It’s our job to learn what your goals are in life and what you need to protect. We know how your policy is changing and can recommend steps to ensure you are fully protected.

Your home can be severely damaged by the elements in their extreme - snow storms, hurricanes, tornadoes, earthquakes. Will your home be fully protected if disaster strikes today?

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Costa Mesa Home Insurance Coverage Review

Have you reviewed your Costa Mesa Home Insurance Policy lately?

Living in Costa Mesa “The Best Place to Live” your home is one of your biggest investments and potentially an inheritance for your children. As such, you need to do everything you can to protect it. Regular maintenance of roofing and guttering will go a long way to protect your home from damage by the elements. A good weather resistant paint will protect the structure for years and lessen the necessity to repaint as frequently. Check under sinks occasionally for leaky pipes - they can cause a great deal of damage before you are aware of it. If you neglect routine maintenance around your home, you may be penalised in the event of a claim on your insurance.

A home insurance policy will generally protect your biggest asset from damage by fire, hurricane, hail, and lightning, covering for repair or replacement of your home. As such it is essential that you ensure you insure it for an amount sufficient to rebuild in the event of a total loss. Deliberately insuring your home for an inadequate amount is not a sensible thing to do and will only serve to disappoint you if you need to claim on it.

Home insurance will also provide you with coverage for legal expenses in the event that personal injury occurs to someone visiting at your home.

Why not call one of our agents at Excelsure Insurance for a hassle free homeowners insurance quote. We’re right here in Costa Mesa, so we are familiar with property values and will guide you in your choices.

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