Homeowners Insurance
Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
Serving Downey, Whittier, Lakewood, Bellflower, Cerritos and surrounding areas
Possibly the most treasured possession for many people is their home. The right insurance can help protect a person’s home and belongings and provide peace of mind if something unfortunate happens. Often, mortgage lenders may require coverage to protect their investment if there’s a loan on a home.
What Does Homeowners Insurance Provide?
A standard home insurance policy can help protect your home and your belongings in the event of a loss or damage, such as a fire. Homeowners insurance is considered a package policy, including home protection and liability coverage for any injuries and property damage caused by you or your family members—and sometimes even your pets.
Many home insurance policies also provide additional living expenses (ALE) coverage if a home is uninhabitable and the homeowner must live elsewhere because of damage from an insured loss. All policies vary, so be sure to check your policy to see what your exact coverage details include.
How Much Coverage Do You Need?
The amount of coverage you need will depend on your unique situation. A standard homeowners insurance policy offers protection resulting from damage to your home’s structure, including fixtures, plumbing and heating. When purchasing coverage, you should buy enough insurance to cover the cost of rebuilding or repairing your home, minus the land cost. Some homeowners, including those who may have luxury belongings or high-risk items in their home (e.g., a swimming pool or trampoline), may need more coverage than those who do not. Your insurance agent can work with you to determine what your needs may be.
What Isn’t Covered by Home Insurance?
Home insurance covers many types of damage or loss. However, most policies don’t include coverage for damage caused by natural disasters, such as flooding or earthquakes. Depending on the area in which you live, you may consider purchasing additional flood insurance and earthquake insurance policies.
In addition, many home insurance policies won’t cover maintenance issues such as termite and insect damage, rodents or mold. Mikel Insurance Services can help you determine what is not covered under your home insurance policy.
What Does Coverage Cost?
Home insurance is an important investment, and the cost of a policy depends on numerous factors, including:
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Your home’s age and condition
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Your home’s security and safety features
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Your credit history
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Additional coverage you add
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Your deductible
Mikel Insurance Services can help explain your homeowners insurance premiums and walk through ways to potentially reduce your rates, if applicable.
How We Can Help
Mikel’s Insurance Services can help you review your home insurance options to get a policy for your specific coverage needs. Call us at 855-758-9649 to get started.
For Home Insurance Quotes, click the image below!
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