Best Homeowners Insurance Agencies in Victorville

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.
  

• Are you required to have a homeowner's insurance policy in Victorville?

  No, you are not legally required to have homeowner's insurance in Victorville. However, you may still need to purchase this type of policy when undergoing lending procedures. A borrower's home insurance can cover mortgage costs when accidents happen before the loan is fully paid. A standard policy contains personal property, dwelling, and loss of use coverage.

• How can the California Fair Plan help Victorville-based individuals residing in high-risk areas?

  Victorville-based individuals residing in high-risk areas often apply for the California Fair Plan when they cannot purchase a standard homeowner's policy. Although this plan is considered limited compared to other home insurance policies, it can provide dwelling coverage in case of a gas explosion, fire, or lightning strike. Those who need extra protection can also purchase additional coverage for this type of plan.

• Why should Victorville residents purchase riders to supplement their homeowner's insurance policies?

  Victorville residents should purchase riders to supplement their homeowner's insurance policies if a standard plan doesn't match their coverage needs. Most insurance providers allow clients to customize their plans by adding riders that protect individuals from sudden financial loss caused by weather-related incidents involving earthquakes, wildfires, and floods. Purchasing extended coverage, however, can increase insurance premiums.

• How can Victorville homeowners streamline the insurance claims process?

  Victorville homeowners can streamline the insurance claims process by keeping a household inventory that includes information about personal properties within different home areas. Individuals who submit updated inventory documents to insurance companies are reimbursed for damaged items. They can also get compensation for home improvement services that need to be done after natural disasters. A home inventory guide can be downloaded at https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/upload/Website-Version-Home-Inventory_Revision-September-17th-2.pdf.

• How can Victorville residents file a complaint about their homeowner's insurance policies?

  Victorville residents who want to file a complaint about their homeowner's insurance policies can download a "Request For Assistance" form from the California Department of Insurance's official website at https://www.insurance.ca.gov/01-consumers/101-help/upload/RFAnonhealth.pdf. Completed forms should be submitted to the address found below: California Department of Insurance Consumer Services Division 300 S. Spring Street Los Angeles, CA 90013.

• 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.