Home Insurance

Home-Owners

If you are faced with the daunting task of shopping for homeowner’s insurance, you have come to the right place. At Henderson Insurance Services we can shop multiple carriers to get you the best home insurance policy available to you.

A Typical basic home insurance policy will cover the following:

• The structure of your home
• Replacement Costs
• Personal possessions (up to a set limit)
• Living expenses in case of a disaster
• Liability

You should also add supplemental policies such as:

• Valuable Articles/Floater policies (ie. Jewelry Insurance)
• Flood policies
• Earthquake policies
• Umbrella polices
• Animal Liability (liability issues due to household pets)

Condo

Need an insurance quote for your Condo or Townhouse in California? Henderson Insurance Services can provide you with the right insurance policy to fit your specific needs.

If you own a townhouse or condo, you have different insurance needs than the typical homeowner. Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building.

Condominium insurance provides protection where condo associations do not.Condo and town house coverage protects your possessions within your unit including furniture, appliances, kitchen and bath facilities, and your personal items. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall unit, renovations, and wallpaper.

Renters

Renters insurance acts as a Homeowners insurance policy for those who rent their places of residence. Whether you live in a condo, apartment, house, duplex, etc., Renters Insurance can protect you and your assets. Having renter’s insurance can help with the cost of damages should anything happened to a rental property that you are living in.

If you are a California resident who is renting your home rather than buying it, you may not think that you need renters insurance. However, it is just as important to take out adequate insurance if you rent, regardless of whether you live in a house, townhome or condo. Whether you are a student, homemaker or senior citizen, California renters insurance is relatively inexpensive, easy to apply for, and provides peace of mind and protection for you and your valuables.

The main advantage of having California renters insurance is the fact that it provides coverage for your personal possessions. However, there are also other reasons to take out a renter’s insurance policy. Policies cover such things as any damage to another person’s property, accidents that occur in your home and any unauthorized transactions on any of your credit cards. If you are renting another person’s room or house, it can provide some additional peace of mind and protection.

Rental Property

Earthquake

An earthquake can be financially devastating to a homeowner. Although earthquakes are a real and present danger in California, they are typically not covered by a Homeowners insurance policy. Henderson Insurance Service can provide you with a stand-alone residential earthquake insurance policy will give you the peace of mind and security you deserve.

With an Earthquake Insurance Policy you can protect your home with the Comprehensive earthquake insurance policy or Standard earthquake insurance policy. These are unique stand-alone earthquake insurance products that offer broad protection for one of nature’s most costly and destructive natural forces.

Earthquake insurance is necessary because earthquakes in California are a fact of life. Most homeowners and commercial property policies exclude coverage for earthquake damage and earthquake sprinkler leakage. If you own a home, apartment building, office, industrial or mercantile property in California, you need to consider purchasing earthquake coverage.

Flood

Flood insurance provides protection for destruction and financial devastation caused by floods because your homeowner’s insurance policy does not cover this type of insurance. Purchasing a flood insurance policy through Henderson Insurance Services can protect you and everything you hold dear.

Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Umbrella

Today, lawsuits are everywhere. Lawyers are awarding larger amounts of money than ever. Homeowners, auto, and watercraft policies have a limit on liability coverage. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence?

Since no one can predict how much a judge may award the injured person, Umbrella Insurance is not just for the wealthy anymore, but a needed protection for every policyholder.

Umbrella Insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an Umbrella Policy, depending on the insurance company, one can add an additional 1-5 million in liability protection. This protection is designed to “kick-in” when the liability on other current policies has been exhausted.

There is good news. A Personal Liability Umbrella Insurance Policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one’s non-business activities anywhere in the world. Having the added protection of a Liability Umbrella Policy is coverage no one should go without