Your home is where you and your family should be able to relax and grow. Unfortunately, it’s not impenetrable from damage or danger. Fire or a storm, for instance, can cause severe damage and risk the integrity of the home, your personal belongings, and your family’s safety. Home insurance can help you protect what matters most.
RCU Insurance Services works with a variety of insurance carriers to offer you affordable home insurance. We’ll make sure you can live comfortably knowing you’re covered in case of an accident.
What is Covered Under Home Insurance?
Covers accidents of bodily injury and property damage someone else may suffer (e.g. a visitor falls in your home). It can also cover damage and injuries caused by your children or pets (e.g. your pet bites someone, or your child breaks someone’s window).
Provides compensation for damages to the physical home and its attached structures. It covers against fire, wind, hail, lightning, smoke, explosions, falling objects, theft, vandalism, and more. It doesn’t generally cover things like fences and outdoor signs.
Provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. You can also obtain optional policy floaters to cover your more expensive items such as jewelry, furs, art, and electronics.
Additional Living Expenses
This coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a fire or storm sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter, and more.
Don’t wait until disaster strikes to protect your home.
Call RCU Insurance Services at (707) 576-5120 or request on online quote
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Common Home Insurance Questions
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- When should I buy home insurance? The day you purchase your new home is the perfect time to also purchase the insurance you need to protect it.
- How much does home insurance cost? There are a variety of factors that influence the cost of your home insurance premiums.
- How is home insurance calculated? Premiums are primarily based on risk factors such as location, claims history, coverage limits, value of the home.
- Why is home insurance important? Home insurance is crucial for protecting your home and assets and may be required by your lender if you have a mortgage on the home.
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