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Best Homeowners Insurance Agencies in Bakersfield

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Bakersfield Insurance Agency logo
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Bakersfield Insurance Agency

8200 Stockdale Hwy., Suite M10, Bakersfield, CA 93311
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Bakersfield Insurance Agency caters to the needs of individuals, families, and businesses in the metro. It helps residents protect their dwellings with homeowners' insurance plans, which include repair costs, replacement costs, additional living expenses, and personal liabilities. It also designs insurance policies for renters, landlords, condominiums, and mobile homes. The agency's owner and broker, Lee Mayers, has been working as an insurance broker since 1989. His office represents various carriers, such as National General Insurance and Progressive.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
CA New Generation Insurance Services Inc. logo
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License Verified:

License: 0i56033

California Department of Insurance

CA New Generation Insurance Services Inc.

4801 Wilson Road, Bldg. A, Bakersfield, CA 93309
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  • Renter's Insurance
  • Condos

Business Description

CA New Generation Insurance Services Inc. (NGI) is a full-service agency that caters to homeowners in and around Bakersfield. Founded in 2003, it examines home insurance policies for repair and liability coverage. The agency advises its clients on insurance plans for houses with checkered pasts, claim histories, and risk-prone locations. It also provides specialized coverage options for theft and fire damages. Furthermore, NGI offers custom insurance policies for vacant households and seasonal residences. Aside from homeowners insurance, it offers policy plans for automobiles and commercial spaces.

License Verified:

License: 0i56033

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
5.0 / 5 (6)
Yelp
4.0 / 5 (5)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cal-Valley Insurance Services logo
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Cal-Valley Insurance Services

200 New Stine Rd Ste 205, Bakersfield, CA 93309
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Founded in 1984, Cal-Valley Insurance Services in Bakersfield sells home insurance throughout California as an independent insurance agency. Cal-Valley provides home insurance products that include protecting homeowners from fire, property damage, personal liability and injury, floods, theft and burglary, and plumbing problems. The company also offers commercial insurance for the trucking industry, commercial property, workmen's compensation, cyber liability, special events, and other insurance products. Additional services include personal insurance products such as for autos, condos, renters, watercraft, and pets. Cal-Valley Insurance Services partners with both personal and commercial insurance providers such as Allied Insurance, CIG, First American, Travelers, and CNA.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)
Yelp
5.0 / 5 (2)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Charpentier Insurance Services, Inc. logo
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Charpentier Insurance Services, Inc.

525 H St, Bakersfield, CA 93304
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  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

Serving homeowners in the Bakersfield, California, and greater San Joaquin Valley since 1977, Charpentier Insurance Services Inc. offers various coverage options to protect against loss and liability from injuries or property damage. The company offers policies from a range of top-rated insurers to protect clients' homes and contents from damages resulting from fire, theft, severe weather, fallen trees, burst pipes, vandalism, and vehicle damage. Specialized coverage for detached structures, sewer backup, medical payments, and pet liability is available. Charpentier Insurance Services Inc. also offers auto, motorcycle, business, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (104)
Yelp
3.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Garcia & Associates Insurance logo
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Garcia & Associates Insurance

418 Oak St, Bakersfield, CA 93304
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Garcia & Associates Insurance is an independent insurance agency for both personal and commercial needs that sells home insurance in Bakersfield, California. Since 1979, Garcia & Associates has been selling home insurance that protects against vandalism, fire, theft, injury on the property and other events, ensuring coverage options and premiums that work best for their clients. The company also offers insurance products for personal and commercial autos, commercial property, liability, health, life, and workers' compensation. Garcia & Associates Insurance offers a full range of insurance services for anyone from individual policyholders to large businesses.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hay Insurance Agency, Inc. logo
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Hay Insurance Agency, Inc.

4939 Calloway Drive, Bakersfield, CA 93312
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  • Renter's Insurance
  • Homeowners
  • Condos

Business Description

Hay Insurance Agency, Inc., is a Bakersfield-based insurance company serving customers throughout Kern County and the Greater Los Angeles area for more than a century. The business offers insurance solutions for properties, renters, condos, mobile homes, landlords, and in-home businesses. Its professional team handles home insurance coverages tailored to the needs of customers and created to protect investments from a variety of damages and accidents. Hay Insurance Agency also has farm, auto, and life insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
James D. Miller Jr. Insurance Agency logo
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License Verified:

License: 0B17355

California Department of Insurance

James D. Miller Jr. Insurance Agency

1527 19th Street, Suite 410, Bakersfield, CA 93301
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  • Renter's Insurance

Business Description

James D. Miller Jr. Insurance Agency caters to families and individuals in Bakersfield and the surrounding areas. It is a local, multi-line brokerage firm that offers homeowners' insurance products. These policies protect the insured from financial difficulties when a house suffers a fire or natural disaster and needs rebuilding. The insurance also covers the replacement costs for personal possessions, additional living expenses, and injury liabilities. The agency has access to many carriers, such as Liberty Mutual, National General, and Kemper.

License Verified:

License: 0B17355

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kelli Davis logo
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License Verified:

License: 0H36786

California Department of Insurance

Kelli Davis

2665 Calloway Drive, Suite 206, Bakersfield, CA 93312
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  • Homeowners

Business Description

Kelli Davis is an agent offering insurance products in Bakersfield. She encourages families to protect themselves with homeowners' insurance to cover losses and damages in case of unforeseen natural and man-made catastrophes. She also provides auto and business insurance. The one product she strongly recommends is life insurance because it safeguards the policyholder's children in the event of untimely death. She diligently educates parents on the importance of maintaining one for the sake of their kids.

License Verified:

License: 0H36786

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Larry Canaday logo
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License Verified:

License: 0F82729

California Department Of Insurance

Larry Canaday

2400 Brundage Lane, Bakersfield, CA 93304
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  • Condos
  • Homeowners

Business Description

Larry Canaday is an American National insurance agent based in Bakersfield with over 20 years of experience in the industry. He offers a variety of protection plans, including home insurance that covers the policyholder's dwelling, the belongings inside it, and other structures on the property such as sheds and garages. Canaday also provides policies that protect homeowners from identity theft. Additionally, he deals with life, auto, and farm insurance products.

License Verified:

License: 0F82729

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
3.6 / 5 (9)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
MCA Insurance Services logo
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License Verified:

License: 0J02968

California Department of Insurance

MCA Insurance Services

1400 Easton Drive Suite 132, Bakersfield, CA 93309
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

MCA Insurance Services caters to individuals, families, and businesses in the Bakersfield metro and the surrounding communities. It offers homeowners' insurance policies, helping clients protect their properties and personal belongings. Also included in its line of products are auto, life, motorcycle, RV, builders' risk, and special events insurance plans. The firm works with various companies, such as Alliance United, Foremost, Progressive, and Safeco. MCA Insurance Services has been in operation for more than 20 years.

License Verified:

License: 0J02968

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mike Alexander logo
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License Verified:

License: 0K13715

California Department of Insurance

Mike Alexander

312 H Street, Bakersfield, CA 93304
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  • Homeowners

Business Description

Mike Alexander, a State Farm agent since 1992, provides a wide range of insurance products for the Bakersfield community and the surrounding areas. These products include homeowners' insurance, which covers the repair and replacement of a home in case of fire, theft, and other losses, as well as personal properties like appliances, furniture, and jewelry. In addition, Mike offers insurance options for auto, life, health, and business. He is available even for evening and weekend appointments.

License Verified:

License: 0K13715

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (30)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
mybakersfieldagent.net logo
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mybakersfieldagent.net

1100 Mohawk Street, Bakersfield, CA 93309
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  • Personal Property Insurance
  • Homeowners
  • Multiple Policy Types

Business Description

Abir M. Pulskamp is a homeowners' insurance agent for State Farm serving clients in and around Bakersfield. She and her office assess a client's house for possible dangers that could force unexpected repairs. They consider its location, number of residents, and contents. Pulskamp provides policy plans to cover weather damages, such as hail and strong winds. She can also customize plans to pay for medical liabilities and flooding. Abir's staff caters to clients that can speak English, Spanish, Tagalog, and Arabic.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Oliver Insurance logo
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License Verified:

License: 0N05294

California Department of Insurance

Oliver Insurance

2508 Niles Street, Bakersfield, CA 93306
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  • Homeowners

Business Description

Oliver Insurance provides a homeowners' insurance policy for clients in Bakersfield that will pay to replace their personal property if it is damaged in a fire or other calamities. The policy also protects clients against lawsuits from guests who are injured while inside their homes. As an independent agency, Oliver Insurance offers comparative homeowners' insurance quotes from several insurance carriers, such as Dairyland and Infinity. Under the leadership of owner Shanty Mora, the agency is committed to establishing long-term relationships with its clients.

License Verified:

License: 0N05294

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.8 / 5 (69)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Omega Financial And Insurance Services logo
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Omega Financial And Insurance Services

400 H St, Bakersfield, CA 93304
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  • Renter's Insurance
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Omega Financial and Insurance Services is an independent agency working for clients within the Bakersfield, California, metro area. It sells home insurance policies involving coverage for property, personal property, liabilities, and medical expenses, and it advises clients on the most appropriate coverage areas for their circumstances. They specialize in Commercial Insurance also: Contractors, retail, restaurants and non profits. Some of its other areas of expertise include flood and earthquake insurance and coverage for jewelry, which are areas not included in most standard policies. Omega Financial and Insurance Services is a full service agency and it provides consultation for auto and business insurance policies as well, offering umbrella coverage options as desired. They represent over 15 home insurance carriers: Includes, Travelers, Nationwide, Progressive & Aegis.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (24)
Facebook
4.8 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Saber Insurance Agency logo
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License Verified:

License: 0L73974

California Department of Insurance

Saber Insurance Agency

8120 Rosedale Hwy, Ste 100, Bakersfield, CA 93312
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Saber Insurance Agency is a financial services company that serves clients in Bakersfield. The company provides homeowners' insurance solutions, and clients can opt for further protection through personal liability insurance. The firm also offers auto insurance services and helps clients with additional coverage options, including collision and medical payments coverage. Its other insurance solutions include farm, health, and life insurance. Sam Siador, the company's president, has spent more than 25 years in the insurance industry.

License Verified:

License: 0L73974

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (42)
Facebook
5.0 / 5 (13)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tony Camarena Insurance Agency logo
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License Verified:

License: 0D28316

California Department of Insurance

Tony Camarena Insurance Agency

324 Oak St Suite Q, Bakersfield, CA 93304
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  • Homeowners

Business Description

Tony Camarena Insurance Agency is a locally owned business that has been serving residential and commercial clients in Bakersfield and the surrounding communities for more than 15 years. It offers homeowners' insurance plans that protect residences and personal properties from vandalism, theft, fire, and flood. It also customizes life, health, and auto insurance coverages. The agency helps business owners in protecting themselves and their properties from lawsuits and damages. Led by principal Tony Camarena, the agency also caters to Spanish-speaking clients.

License Verified:

License: 0D28316

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Vision Insurance Planning Services logo
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Vision Insurance Planning Services

2130 Chester Ave, Bakersfield, CA 93301
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  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Vision Insurance Planning Services is an insurance broker that offers home insurance for the Bakersfield, California, metro area. Founded in 1989, Vision Insurance provides a variety of different options in its home insurance productions, including plans specifically tailored for renters, vacation homes, first homes, and rental properties. The agency also offers a variety of commercial and personal insurance products, including auto, motorcycle, general and professional liability, and commercial property insurance. Vision Insurance Planning Services works with a variety of reputable insurance carriers, including Grange Insurance, The Hartford, Merced Property and Casualty Company, and Progressive.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wm. K. Lyons Insurance Agency logo
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License Verified:

License: 0461335

California Department of Insurance

Wm. K. Lyons Insurance Agency

2100 F Street, Suite 200, Bakersfield, CA 93301
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  • Personal Property Insurance
  • Homeowners

Business Description

Established in 1947, Wm. K. Lyons Insurance Agency serves clients in Bakersfield and its surrounding areas. The company represents insurance carriers such as CNA Surety, Nationwide, Mapfre, Encompass, The Hartford, and Travelers. It helps clients protect their valuables and other assets by creating personalized packages through homeowners', condo, renters', and flood insurance policy options. Its other services include workers' compensation, automobile, and business insurance. Wm. K. Lyons Insurance Agency supports businesses and nonprofit organizations in the locality.

License Verified:

License: 0461335

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.7 / 5 (6)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

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 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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs