Your home is your biggest investment, and the center of your life. We'll find a policy that protects you form small to large risks related to owning a home.
Covers the physical structure of your home, the walls and roof. Includes the structures attached to your home, like attached garages, decks and porches. It covers damage to your home due to fire, lighting, smoke, and storm damage.
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.
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 property.
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.
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.
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.
We'll make sure your most valuable asset is fully insured by shopping 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.
We are an independent agent appointed to represent over 40 carriers including Mercury, Allstate, Progressive, 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.
When you rent or lease a house or apartment, your landlord’s insurance usually only protects the building itself—not your personal belongings.
Renters insurance is the only way to protect your belongings, and will cover liability, and additional living expenses.
Renters coverage may include:
• Burst Pipe
• Fire/Smoke
• Lightning
• Theft
• Vandalism
• Water Back-Up
• Wind Damage
This policy is for people who live in a condo or a co-op. Known as "walls-in coverage."
You'll need condo insurance if you want coverage for problems that aren't covered in your HOA master insurance policy, like theft of your personal belongings or accidental injuries to others.
Condo Insurance will cover:
• Renovations made after purchase
• Floors, walls and ceilings
• Liability
• Additional living expenses
Don't wait til it's too late. Get protection TODAY from PVI.
We're here for you, all you have to do is reach out!
Whether you need home, auto, life, or health insurance, we have many solutions to fit your lifestyle.
Protect your vehicle that you rely on
with our vehicle insurance options.
Copyright © 2015-2024 PVI • All Rights Reserved
Pauma/Valley Insurance Agency, Inc. • Valley Center, CA
Website Design & Hosting by: Janet's Graphics
