Homeowner’s Insurance

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California Homeowner’s Insurance

Insurance Coverage Begins at Home

With the proper homeowner’s insurance, you can rest safely knowing you have the coverage you need. A Mercury Home Insurance policy from Peninsula General delivers security and peace of mind.. Peninsula General is a California Insurance Agency located in Torrance. To speak with an agent, please call (877) 539-2533.

Do I Need Homeowner’s Insurance?

If you own a home, you definitely need homeowner’s insurance. In fact, if you owe a mortgage payment on your home, your lender will most likely make it a mandatory part of your contract. However, even if you own your home free and clear, homeowner’s insurance is a necessary part of your financial portfolio in case the unforeseen happens.

What Does Homeowner’s Insurance Cover?

Policymakers can customize your homeowner’s insurance to suit the type of coverage you need, but some things are typical for all policies. Your insurance will address these main areas:

Structural damage

This includes the structure of your home itself, including the interior and exterior walls, carpeting, roof, and cabinetry, as well as structures on your property that are not attached to the home such as as a small shed or a detached garage.

Personal belongings

Your personal belongings are just that — all the things you own that are not a part of the home’s structure. Personal belongings would be your home furnishings, special things like china dishes, electronics, and more.

Liability

Another important part of your homeowner’s policy is the personal liability coverage. This offers financial protection in case someone sues if they are harmed on your property or if their belongings are damaged and you are legally responsible

Your homeowner’s policy covers most situations that are out of your control that result in damage but check with our professional agents to get exact details. For example, if your home is robbed, suffers a fire, gets hits by a tree, or a car smashes into the front, you will have coverage for the damages through your policy.

What Is Not Covered by Standard Homeowner’s Insurance?

Items that are not covered with a standard homeowner’s policy include:

  • Flood insurance
  • Earthquake insurance
  • Additional living expenses (some expenses may be covered but not all)

Your insurance specialist can add extra coverage for you if needed. For example, if you are in an earthquake or flood zone, you will want to consider adding these extras.

Get in touch with one of our Peninsula General Insurance agents today to discuss what type of homeowners coverage will best suit your needs. An insurance specialist will provide you with immediate answers to your questions.  Please call (877) 539-2533.

Find Home Policy Discounts

Who doesn’t love saving money on insurance?
Bundle your auto insurance and home policy today, to save even more money!
There are policy discounts available, to lower your premium.

Protective Devices Discounts Available

  • Smoke Alarms
  • Deadbolts
  • Burglar Alarms
  • …and more

Save Money on Home Insurance

  • Fire-Resistant Construction Materials
  • Newer Home Discount
  • Gated Community Discount
  • Select A Higher Deductible

Home Insurance Quotes Near You

  • Los Angeles
  • Torrance
  • Santa Monica
  • Long Beach
  • Riverside
  • DWELLING PROTECTION

    Covers damage to your home due to fire,lightening, smoke, storm damage or other similar perils.

  • ADDITIONAL LIVING EXPENSES

    Provides coverage for living expenses if your home becomes uninhabitable as a result of a covered loss.

  • EXTENDED REPLACEMENT COST

    Provides additional coverage up to 150% of the dwelling’s policy limits. This is to rebuild your home in the event you suffer a covered loss.

  • PERSONAL PROPERTY

    Provides protection for household items in the event of a fire, theft or other covered loss. This is great for added Personal Coverage!

  • PERSONAL LIABILITY PROTECTION

    Policy Coverage, that pays for bodily injury or property damage protection. This is caused to others, as a result of a covered incident.

  • ADDITIONAL COVERAGE

    Additional personal property coverage for valuables, such as antiques, fine art and jewelry is available.

  • IDENTITY THEFT PROTECTION

    Secure your future and Identity, with Identity Theft Protection! This coverage will pay for expenses incurred from criminal identity theft.

  • GUEST MEDICAL PROTECTION

    Guest Medical pays medical expenses for your guests. Guests who are accidentally injured on your property.