What Does Your Homeowner’s Insurance Actually Cover?

02/10/16 • -1 min

Northern California Real Estate Podcast with Andrew Lamb

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Today we are talking about homeowner’s insurance, earthquakes, and floods here in California. We are joined by Ken from i80 insurance, who is here to answer some common questions that we’ve been getting lately from our clients. So, let’s get right to it.

What’s included in a homeowner’s insurance policy?
A typical homeowner’s insurance policy will cover the structure, the dwelling, and all detached structures like a garage or a shed. They are protected from wind, fire, hail, and water damage. It also covers your personal belongings and valuables. Finally, a homeowner’s insurance policy offers you lawsuit protection, also known as personal liability. It will also cover loss of use, if you happen to be out of the house for a certain period of time for whatever reason. All policies vary, however, and it’s a good idea to ask your insurance agent or broker exactly what you are covered for.

Does a homeowner’s insurance cover flooding and/or earthquakes?
No, it does not. To get those coverages, you want to get a separate policy. Talk to yourinsurance broker or agent to find out what your options are or what would work best for you.

If you have any questions about homeowner’s insurance or want to switch up your policy a bit, give Ken a call at (707) 402-8850 or visit their office right in downtown Vacaville.

If you have any questions for us about real estate in general, don’t hesitate to give us a call. We would love to hear from you!

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Next Episode

How to Keep Your Kitchen Up to Date

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Many homeowners have trouble keeping their kitchens updated, so today we want to discuss one of the most crucial components of any home: the countertops. Today, Tony from Carpets & More joins us to discuss some of the biggest trends when it comes to surfaces.

There are two different types of countertops that people are getting nowadays: granite and quartz. For a long time, granite was the more popular of the two, but quartz has started to take over. This is because the sheen is level throughout, so hot and cold items don't affect quite like they do granite at times. The two types of quartz are Cambria and Silestone, so keep those names in mind when looking at surfaces.

What is the difference between quartz and granite? Quartz is better as a cooking surface, as granite is porous, which means you probably don't want to put raw meat on there. Because the slabs come in smaller pieces than slabs of granite, quartz is more expensive. Sometimes, if a slab of quartz isn't big enough, another one needs to be shipped in; otherwise, the price is generally pretty close. Generally, quartz is also a bit more durable than granite, which is more susceptible to damage.

If you have any questions about floors or countertops, you can reach Tony at (707) 446-200. Of course, if you have any real estate questions, we're always available to ch...