San Diego Homeowners Insurance

It doesn’t matter if you own a home or you are still paying for it through mortgage financing, property insurance is essential for protecting yourself and your family from great financial loss.

When you take into account all the expenses that comes with owning a home, it is understandable that you want to protect it in every way you can. With unique H&M Insurance homeowner’s policy, you can be sure that in case something happens to your belongings or home due to natural disasters or theft, you will have a great coverage.

Homeowner’s Policy

This policy provides a comprehensive package of residential and personal property protection for today’s home owners, covering situations such as:

  • fire
  • windstorm
  • crimes, including theft and vandalism
  • accidental major leaks or overflow of water
  • personal liability
  • loss of personal property
  • loss of use

Dwelling Fire Policy (Tenant Occupied)

This type of insurance protects a home against the perils specifically named in the policy. Protection for tenant occupied on-to-four family residential buildings. Policy provides protection damage from:

  • Fire, including smoke damage
  • Windstorm, including hail
  • Personal liability coverage for injuries to guests or others visiting the customers property
  • Fair rental value of income property if the customer is unable to rent pending covered loss repairs and much more.

How to Reduce Property Insurance Premium?

H&M Insurance offers a discount if you have a monitored alarm system, deadbolts on your doors, smoke detectors in your house or other security systems.

By protecting your home, you also create better conditions for a smaller monthly premium rate.

Insurance doesn’t have to be expensive, and getting the best rates doesn’t have to be hard.

If you bundle your policies, you may save even more, for larger discounts.

Get an online quote or call us at (619) 296-0005 and get all info regarding the best San Diego Property Insurance.
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