Homeowners across the country need to be prepared at all times for varying weather including tornadoes, thunderstorms, hurricanes, and heavy winter snows. California residents are often faced with other severe events including wild fires and earthquakes. At Moncali Insurance, our goal is to ensure that your home and family are protected from these potentially devastating events, and more, with a quality homeowners insurance policy at a great rate.
As a local California agency, we understand the challenges homeowners throughout Madera, Fresno, Carlsbad, Encinitas, Rancho Santa Fe, and Cardiff face. While most homeowners insurance policies follow a similar structure, we are able to tailor each policy to the homeowner and their unique homes. No matter where you are located in California, or what your specific needs might be, the team at Moncali Insurance will ensure your policy meets those exact needs.
California Homeowners Insurance Coverage
- Dwelling Coverage (home structure).
- Coverage for certain structures on your property. This can include carports, sheds, and other detached storage facilities.
- Coverage for damages to personal property including clothing, appliances, electronics, furniture, and more.
- Property Theft Coverage
- Liability Coverage
- Loss of Use Coverage which includes costs for living expenses and lost income if a disaster were to force you out of your home.
Optional California Homeowners Insurance Coverage
- Coverage for high-value items such as jewelry that are generally not included as part of your standard coverage.
- Identity Theft Coverage
Flood coverage is generally not included as part of a homeowners insurance policy but can be a valuable addition. Flash flooding can occur anywhere without warning. You do not have to be in a high-risk area to be vulnerable to flooding. Earthquake coverage is also not included in most policies. California residents may wish to add earthquake coverage to further enhance their homeowners policy. At Moncali Insurance, we can help you review the various options you have so that you can choose the coverage that is best for you.
Most homeowners insurance policies can be found with Actual Cash Value or Replacement Cost options. If items in your home are damaged, destroyed, or stolen, Actual Cash Value policies will pay you the cost of those items minus depreciation. If you choose a Replacement Cost option, you will receive the amount required to replace the item without any deduction for depreciation.
California families can save money on their homeowners insurance by taking advantage of various discounts including multi-policy discounts, claims-free discounts, home safety discounts, new home discounts, protective device discounts, and more. We will work to find all of the discounts you qualify for, helping you save the most money on your homeowners insurance.
A California homeowners insurance policy from Moncali Insurance offers peace of mind, knowing that you, your family, and your home are protected. Contact us today to find out more about your homeowners insurance options in Madera, Fresno, Carlsbad, Encinitas, Rancho Santa Fe, and Cardiff.