Best Homeowners Insurance Agencies in Glendale

Frequently Asked Questions

• Introduction

  Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.
  

  
  

  All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

  
  

  It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  

• What are the advantages of adding personal umbrella liability insurance to a homeowners policy in Glendale?

  Adding personal umbrella liability insurance to an existing homeowners policy in Glendale extends liability coverage beyond the primary policy's limits. The umbrella insurance becomes effective after exhausting the primary policy's limits, providing an extra layer of security against potential liabilities and broader protection from unforeseen circumstances that could exceed the primary policy's limitations. This supplemental coverage includes protection for excluded areas like slander and libel.

• Which supplementary coverages can Glendale homeowners acquire in addition to their primary home policies?

  Homeowners in Glendale may opt to purchase additional endorsements and coverages for perils not included in their existing policies, such as floods, earthquakes, and weather hazards. They may also add guaranteed replacement cost coverage, personal umbrella liability insurance, and scheduled personal property coverage. The purchase of extra insurance or endorsements ought to be a primary priority for those living in high-risk areas.

• Are wall cracks covered by homeowners insurance in Glendale?

  Homeowners insurance in Glendale may provide coverage for wall cracks within a home if they stem from specified perils like fire, smoke, lightning, hail, wind, and hurricanes. Additionally, the policy could include wall cracks due to factors such as snow or ice weight, aircraft or vehicle damage, falling objects, theft, and vandalism. As long as the peril leading to the wall cracks was unforeseen and not preventable, coverage should be applicable.

• Does standard homeowners insurance in Glendale include coverage for golf equipment?

  Golf equipment is not typically covered under the standard homeowners insurance in Glendale. To adequately safeguard valuable possessions like golf equipment, jewelry, and fine art, homeowners should also acquire Valuable Items Blanket coverage. This specialized coverage serves as a means to ensure comprehensive protection against the risks of loss, damage, or theft for valuable belongings.

• Is coverage for trees and plants included in standard home insurance in Glendale?

  Homeowners insurance policies in Glendale provide coverage for landscaping damage in various situations, encompassing elements like trees, plants, shrubs, and nearby structures. Typically, this coverage extends to approximately $500 per individual item. Do note that trees and plants may not be covered in instances involving disease or insufficient maintenance.

• What determines the price of homeowners insurance premium?

  The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.