Pauma/Valley Insurance Agency Inc  BBB Business Review




Home Insurance

We are your San Diego, California Home Insurance experts. We shop dozens of homeowners insurance partners to find you the best combination of coverage and price. So you never have to sacrifice one for the other. Because we are an independent agent appointed to represent over 30 carriers including Mercury, Allstate, Progressive, MetLife, Travelers, Safeco, The Hartford, and more, you can be assured that we are going to provide the highest level of coverage at the most competitive rates.

Most insurance companies automatically include a percentage of the Dwelling coverage for Other Structures (usually 10%), Personal Property (usually 50 to 70%), and Loss of Use (percentage varies by carrier).

A - Dwelling
Covers damage to your home due to fire, lighting, smoke, storm damage and other similar peril.

B - Other Structures
Provides coverage for any structures not attached to your home. This coverage pays for damages to detached structures like garages, sheds, fences, retaining walls, cottages, etc., on your property. Typically 10% of Coverage A is included, with additional amounts available by endorsement.

C - Personal Property
Provides coverage for your furniture, clothes, decorations, electronics, etc. So hypothetically if you could turn your home upside down and shake it, anything that's not attached to the home and would fall out, would be considered personal propertyTypically 50 to 70% of coverage A is included for contents.

D - Loss of Use/Additional Living Expenses
Provides coverage for you to rent another home or stay in a hotel while your home is being repaired or re-built after a covered claim.

E - Personal Liability
Pays for bodily injury or property damage caused to others as a result of a covered incident. Typically the home policy includes personal liability coverage of at least $100,000.

F - Medical Payments
Pays medical expenses for your guests who are accidentally injured on your property. Typically the home policy includes personal liability coverage of at least $1,000.

A $2,500 deductible is most common for home insurance policies today because in the event that a policy holder were to have more than 1 home insurance claim during a 3 year period, the current insurance company will likely not renew the policy. It then becomes very difficult to obtain homeowners insurance and the rates typically double for individuals with 2 or more home insurance claims because they have to purchase a more restrictive "surplus lines" policy that is non-admitted with the state and is not financially backed by the California Insurance Guarantee Act.

Homeowners insurance protection is designed to provide coverage for high cost, unforeseen catastrophic type losses that occur sudden and accidentally. It's not intended to provide coverage for low cost, frequent maintenance related losses. The higher home insurance deductible helps homeowner's keep their current insurance policy in place and also helps keep the annual premiums affordable.

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