Orange County Home Insurance
Homeowners Insurance in Orange County and Surrounding Areas
Home Insurance and/or Renters Insurance provides so many different types of coverage that almost everyone can benefit from having some kind of homeowners policy. You will be surprised at how reasonably priced this coverage can be.
Homeowners Insurance provides coverage for both General Liability and Property.
General Liability insurance provides coverage for things that you do to others or damages that you or your property might cause others. In other words, Bodily Injury and/or Property Damage that you cause that effects someone else.
An example of a general liability claim would be if your dog bit your neighbor’s child and there were medical expenses. You would be liable for those medical expenses.
Another example of a general liability claim would be if someone leaving your house were to trip and fall and injure themselves, you would be responsible for any medical expenses they incur.
These two examples deal with bodily injury, but Property Insurance in Orange County also covers Property Damage. If your tree were to fall on your neighbor’s house and damage it, you would be responsible for the damage to the house.
If your child were to hit a ball through your neighbor’s window, you would be responsible for the repair of the window.
Yet another aspect of liability insurance covered by a Homeowners policy is Personal Injury Liability that will cover you if you are accused of Libel, Slander, Invasion of Privacy, False Arrest, and other types of charges. These types of accusation are few and far between but you can imagine what the legal expense would be to provide you with a defense.
The second major part of Home Insurance is that it protects physical damage to your property as well as the value of your home from loses caused by: Wind, Fire, Rain, Hail, and other natural occurrences such as earthquake and flood. The Homeowners policy insures against the physical damage caused by these named perils, and, if written correctly, can cover all risk of any kind of damage from almost any source.
The Orange County Homeowners Insurance policy covers the actual structure and all of your personal property within the structure. It also provides coverage for your personal property that you may take away from your home.
The beauty of an Orange County Property Insurance policy is that it can protect you from so many possible claims, and you can buy a policy whether you own or rent a home a condo, apartment or a mobile home.
located in Irvine, CA, Schweickert & Company has been helping clients with their Homeowners needs since 1979. We have wonderful insurance companies to place the policies through and can take care of your need for almost any kid of property of any value.
Let us help you find the right coverage that will provide you with the peace of mind in knowing that you are properly covered for both your liability and property exposures.
Call us or complete the Property Insurance quote form on this page and we will get back to you quickly and help you get the information you need.