Homeowners Insurance
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Homeowners Insurance in California is changing. Fires are becoming a year round event, and many insurance companies do not want to insure homes even remotely near brush. If you are in this type of situation, do not worry, we can help!
Get a free quote now.
You may also contact us at (858) 740-6640.
How to Save Money on Your Homeowners Insurance
- Combine Policies: If you combine your homeowners insurance with your auto insurance, you can save up to 20% on your auto insurance and 15% on your home insurance. Mortgage protection insurance will also give you another 5% discount on your auto insurance and another 5% on your home. Combining policies is the easiest way to save the most amount of money while having the convenience of all your insurance in one place with one phone number to call if some goes wrong.
- Raise Your Deductible: The $500 and $1,000 deductibles were designed when homes used to cost $100,000 to $200,000 to rebuild. Since most California homes cost well over $400,000 and up to rebuild today, increasing your deductible can save you allot of money. Just by raising your deductible you can save several hundred dollars.
- Discounts: There are many common type discounts available like 50+ discount, non-smoker discount, burglar/fire alarm discount, and sprinkler system discount. And there are other discounts available like Interior Inspection Discount which can save you an additional 10% off the total premium. While another discount, though not commonly know, is the affinity discount that can give you an additional 5% discount on your home and 10% to 15% on your auto insurance. It's simple. The more discounts you have, the more money you can save on your homeowners insurance.
- Cost Per Thousand: When at the store, value is found when cost is compared to price. The same works with insurance. For example, if go to a local grocery store to purchase flour, you have the option to purchase a 10 pound bag of flour for $10 or a 5 pound bag for $7. If you look at the cost per pound, which costs less? You can evaluate your insurance the same way, by looking at a cost per thousand dollars of insurance purchased.
In other words, you can protect your home with the coverages that you need and still be able to afford it by increasing your deductibles and combining your insurance policies.
2 Out Of 3 Homes are Underinsured by 23%*
*According to a survey conveyed by Marshall & Swift / Boeckh, a Princeton, N.J., company specializes in estimating construction costs.
The single biggest investment you may make in life is your home. Are you sure you've protected your investment?
That is why Del Dios Insurance Services will provide a homeowner's insurance experts that will review your current policy and make recommendations that meet your needs and save you money. We will take a look at the following important areas:
- Dwelling
- Personal Property
- Personal Liability
- Medical Payments to Others
- Additional Living Expenses
- Building Ordinance
Don't let another minute go by without a complete review of your policy. Let's make sure that you are covered properly!
We provide free affordable Homeowners Insurance rate quote for California: San Diego, Los Angeles, Orange County and the rest of California.
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DEL DIOS INSURANCE SERVICES
Protection & Wealth Accumulation
7330 Engineer Road Suite B
San Diego, CA 92111
Office: 760.975.9554 or 858.740.6640
Fax: 866.800.6327
Email: info@fast2insure.com