Home Insurance Murrieta Ca for less 951-789-9300

Affordable Homeowners Insurance from your agents in Murrieta and Temecula  Insurance Specialists.

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What is homeowners insurance and who should buy this type of coverage? Homeowners insurance is one of the most popular forms of personal lines insurance on the market today. The typical homeowners policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage to the insured. Almost anyone who owns or leases property has a need for this type of insurance. And many times, homeowners insurance is required by the lender as part of the requirements in obtaining a mortgage.

What is the difference between "actual cash value" and "replacement cost"? Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When "actual cash value" is used the policyowner is entitled to the depreciated value of the damaged property. Under the "replacement cost" coverage, the policyowner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices

Our business suggest the best coverages for you

What are the policy limits (i.e., coverage limits) in the standard homeowners policy?
[Note: this answer is based on the Insurance Services Office's HO-3 policy.]
Coverages A and B provide protection to the dwelling and other structures on the premises on an all risks basis up to the policy limits. The policy limit for Coverage A is set by the policyowner at the time the insurance is purchased. The policy limit for Coverage B is usually equal to 10% of the policy limit on Coverage A. Coverage C covers losses to the insured's personal property on a named perils basis. The policy limit on Coverage C is equal to 50% of the policy limit on Coverage A. Coverage D covers the additional expenses that the policyowner may incur when the residence cannot be used because of an insured loss. The policy limit for Coverage D is equal to 20% of the policy limit on Coverage A. The coverage limit on Coverage E - Personal Liability - is determined by the policyowner at the time the policy is issued. The coverage limit on Coverage F - Medical Payments to Others - is usually set at $1000 per injured person.

 Where and when is my personal property covered?
Coverage C, which provides named perils coverage, applies to all your personal property (except property that is specifically excluded) anywhere in the world. For example, suppose that while traveling, you purchased a dresser and you want to ship it home. Your homeowners policy would provide coverage for the named perils while the dresser is in transit - even though the dresser has never been in your home before.

What factors should I consider when purchasing homeowners insurance? There are a number of factors you should consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when you purchase homeowners insurance. First and foremost, purchase the amount and type of insurance that you need. Remember that if your policy limit is less than 80% of the replacement cost of your home, any loss payment from your insurance company will be subject to a coinsurance penalty. Also, determine the amount of personal property insurance and personal liability coverage that you need. Second, determine which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement or the earthquake endorsement? Finally, once you have decided on the coverage you want in your homeowners insurance policy, you can now decide which insurer you would like to purchase the insurance from. Some people like the idea of purchasing insurance from a mutual company rather than a stock company. You should also decide whether you would like an insurance agent to assist you in your purchasing decision or if you would like to buy the product directly from an insurer without the assistance of an agent.

Call one of our agents now for more information

RTG  West Insurance Services Inc  951-789-9300

Posted by Rockne Gibson on 12:19 AM. Filed under . You can follow any responses to this entry through the RSS 2.0

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Over 30 Years Insuring the Future

RTG-West Insurance Services, Inc., established in 1995, is a full service Independent Insurance Agency offering insurance protection and risk management services to families and businesses in California for Auto, Home, Business, Life, and Health insurance needs.

Our three service divisions specialize in

Personal Insurance,
Commercial Insurance,
Employee Benefits including individual and group health, life and disability insurance.

We also offer Life insurance products for all needs.

As an Independent Insurance Agent we offer a high level of customized insurance services and products to meet our clients needs.

We do not work for an insurance company, we work for you!

"We Work For You."

The Agents and staff of RTG-West Insurance Services, Inc. are committed to providing unsurpassed service to each of our clients. We believe in the good old fashioned values of Trust, Honesty, Integrity, and Hard Work

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WHAT WE DO FOR CLIENTS EVERY DAY

As a locally owned and operated insurance company RTG-WEST INSURANCE SERVICES, INC. has delivered quality insurance solutions to individuals in CA since 1995, specializing in Business Auto Homeowners insurance coverage.

At RTG-WEST INSURANCE SERVICES, INC.,we work for YOU, our client to find the best coverage and the best price.

We proudly provide insurance solutions to clients in Riverside, Corona, Murrieta, Temecula, San Bernardino, Moreno Valley and all the Inland Empire. We have commercial clients in Los Angeles, San Diego, Hollywood and beyond.

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