Home Insurance in Roseville, CA
Home insurance can protect your finances if your home is damaged or a third party files a claim against you. At S & G Mitchell Insurance Agency, we’re happy to assist homeowners looking for insurance policies at competitive prices.
What Does It Cover?
While policies vary among insurers, home insurance in California usually offers the following:
- Personal liability coverage can help pay for related expenses if you’re responsible for causing property damage or bodily injury to another person.
- Dwelling coverage can cover the repair costs of your home and attached structures like chimneys and porches.
- Other structures coverage can cover damages to fences, garages, sheds and other detached structures.
- Personal property coverage can cover damage to your belongings such as clothes, furniture and electronics, depending on policy limits.
- Loss of use coverage can help pay for shelter, meals and other expenses if a covered risk damages your home, forcing you to temporarily relocate.
- Medical payments to others coverage can cover the medical expenses of a third party injured on your property due to a covered event.
Ask your agent about additional coverage, such as flood, earthquake and umbrella insurance.
Is It Required?
California doesn’t require home insurance. However, if you have a mortgage, your lender typically requires proof of coverage. Your agent can help you get appropriate coverage for your situation.
How Much Does a Policy Cost?
The cost of insuring your home can depend on multiple factors, including:
- Property size and value
- Location
- Claims history
- Deductible
- Policy limits
Get Covered Today
Contact S & G Mitchell Insurance Agency to explore your home insurance options or request a personalized quote.