In today’s real estate market, homes located in the beautiful Napa, CA area in need of insurance can contact Wine Valley Insurance Services for policy advice, premium quotes, and seasoned guidance.
Home Insurance covers private residences by combining certain personal protections like:
- Losses to one’s home and contents
- Loss of use
- Loss of personal items
- Liability insurance for accidents that may happen in your Napa, CA neighborhood
One’s residence is typically one of the most valuable financial assets one will ever own. Yet, owning a home includes risk. A homeowner must contend with the possibility of loss. The loss could be minor, such as a broken window, or perhaps something more serious, like an entire loss of the home due to fire. The reason to carry home insurance is to protect against such potential financial losses.
Although homeowner‘s Insurance is not typically mandated by law, if one has a mortgage, a lender will frequently require the buyer to purchase homeowner’s insurance. The home itself is referred to as the "dwelling" for insurance purposes.
Homeowner’s Insurance covers damages; home warranties cover mechanical breakdowns. Most consumers would never anticipate that a standard homeowner’s insurance policy would cover the basement’s wine cooler, should it ever stop working. However, many homeowners mistakenly assume that the large, vital systems in the home will be covered by a homeowner’s insurance policy. Unfortunately, that is simply untrue. Home insurance does not cover mechanical breakdowns.
Wine Valley Insurance Services can help you find the home insurance policy to meet your needs and to provide a combination of custom-made coverage, quality service, and fair pricing. Contact us today.
