Protection for your most valuable asset.
Cover your home
Homeowners insurance covers your dwelling against damages to the house itself or to your possessions in the home. It also provides liability coverage against accidents that occur in your home or on your property. Because replacing your home and possessions in case of a loss or paying the damages for accidents that occur on your property can be financially devastating, you need home insurance if you own property.
There are several forms of homeowners insurance policies labeled as HO-0 through HO-8 that provide different levels of protection. Your agent at Palm Desert Insurance is dedicated to learn about your specific needs, as you will need a different type of policy if you have a single family home vs. a condominium, manufactured home, or farm. If you rent a home or apartment or if you are a landlord who rents out your home to someone else, you will need different policies.
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What Does Your Policy Cover?
Your homeowner policy is considered a multi-peril policy because it covers both property damage and liability. The property damage part of most standard policies usually includes:
- Broad coverage on your house and other permanent structures, such as your garage, that protect it against specific causes known as “named perils.”
- Protection against damage to your personal property due to specific causes listed in the policy
- Limited coverage on certain types of possessions such as jewelry
- Opportunities to purchase additional coverage for particularly valuable possessions through endorsements
The liability portion protects you in case of injury to others, such as if a neighbor were to fall on your steps or your dog were to bite someone. Your policy also provides a set amount for medical payments in these situations.
How To Get Homeowners Insurance
The professionals at Palm Desert Insurance have served area residents since 1989 with honesty, integrity, and personal service. We welcome the opportunity to talk with you about your specific insurance needs so that we can obtain the best coverage for you from one of our network of home insurance companies.
Fill out our online quote form for an instant quote, call (760) 341-2345, or stop by our office to get your quote started today.
73241 Hwy 111, Ste 1-B
Palm Desert, CA 92260