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California Homeowners Insurance
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Whether you own a house, condominium or
townhouse, for most people their home is their most important investment. Didriksen Financial of Placerville, CA offers California homeowners insurance policies in northern California that have flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe. |
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Insurance for your home is one of the most popular
and important forms of personal insurance and the typical California Homeowners Insurance policy has two main sections: |
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Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you
in case of lawsuits arising from things that happen on your property) |
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Homeowners insurance is often required by lenders to
obtain a mortgage and nearly everyone, whether you own or lease property, should have the protection of homeowners insurance. |
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California Homeowners Insurance FAQ
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Click on the link below to fill out a secure quote request form for a
California Homeowners Insurance policy that will provide lower cost insurance coverage at an affordable price. Or you can speak with our California Homeowners Insurance agent specialist at (530) 864-5859 to discuss the features. |
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We are a Placerville, CA insurance agency offering affordable California
homeowners insurance policy coverage in the following towns, cities and counties in northern California: Diamond Springs, Camino, Smithflat, Coloma, Somerset, Outingdale, Omo Ranch, Pacific House, Pollock Pines, Grizzly Flats, River Pines, Kelsey, Garden Valley, Cameron Park, Shingle Springs, Plymouth, Dorado Hills, Rescue, Lotus, Pilot Hill, Hidden Valley, Cool, Georgetown, Greenwood, Auburn, Loomis, Penryn, Newcastle, Bowman, Clipper Gap, Applegate, Foresthill, Weimar, Colfax, Iowa Hill, Gold Run, Baxter, Dutch Flat, Vista, Meadow, Kyburz, Twin Bridges, Fiddletown, Volcano, Pine Grove, Pioneer, Kit Carson, Sutter Creek, Ione, Amador City, West Point, Wilseyville, Camp Connell, Jackson, Sacramento, Dorado, Folsom, Orangevale, Citrus Heights, Fair Oaks, Carmichael, Rancho Cordova, Roseville, Rocklin, Arcade, North Highlands, West Sacramento, Rosemont, Davis, Woodland, Placer County, Amador County, Sacramento County, Yuba County, Calaveras County, Alpine County, and El Dorado County, CA. We also offer cheaper California homeowners insurance policy coverage rates throughout the Golden state, including in San Francisco, Oakland, Stockton, and San Jose, CA. |
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Covered losses under a California homeowners insurance policy can be paid on either
a replacement cost basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Therefore, the older the item is, the less money you may receive for it. If you choose the "replacement cost" coverage, the California homeowners insurance policy will reinburse the amount it costs to replace the property with something of a similar type and quality at current prices. |
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An "All Risks" policy provides the broadest California homeowners insurance
protection because it will cover losses that are due to any peril except those specifically excluded in the policy. A "Named Perils" policy covers losses that are due to only those perils listed in the standard California Homeowners Insurance policy and typically include fire, hail, windstorm, and other physical losses, but does not include earthquake coverage. |
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California Homeowners Insurance Policy FAQ
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If your policy limit is less than 80% of the replacement cost of your home, you will
face a "coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond the policy deductible you chose. For example purposes we will assume your home's estimated replacement value (RCV) is $100,000. The co- insurance clause requires you carry at least $80,000 (80% of your RCV). If you chose to purchase only a $40,000 California Homeowners Insurance policy you would be underinsured by half. Therefore, in the example the insurance company would pay one-half of a loss less the policy deductible, so if you suffered a $10,000 covered loss to your house, condominium or townhouse and had a $500 deductible, your policy would only pay $4,500. |
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California Homeowners Insurance Policy FAQ
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Personal liability in a California homeowners insurance policy is also an important
part of having security from accidents that may occur on your property. We suggest you choose coverage limits that are not less than those on other liability insurance you own, such as car insurance. |
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Click on the link below to fill out a secure quote request form for a northern California
Homeowners Insurance policy premium quote that will provide cheaper, excellent insurance coverage at an affordable cost. Or you can speak with our California Homeowners Insurance agent specialist at (530) 864-5859 to discuss the features. |
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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Replacement Cost or Actual Cash Value
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California Homeowners Insurance Policy FAQ
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All Risks or Named Perils
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Coinsurance Penalty
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Personal Liability
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South Carolina Homeowners Insurance Policy FAQ
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Homeowners
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California
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Didriksen
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California Homeowners Insurance
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Answer a few questions and
we can provide you with an
insurance quote by phone or email. Choose a California personal or business insurance coverage from the menu above. |
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Didriksen Financial
2311 Swallow Road
Placerville, California 95667
El Dorado County, CA
Office: (530) 864-5859
Fax: (866) 848-6899
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Didriksen Financial
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