Homeowners Insurance

Beach & O'Neill Insurance Associates is one of the largest writers of homeowners insurance in Northern California.  We have multiple appointments with high quality carriers and can cover everything from high valued homes to rural homes located in hard to insure brush areas.  We work with a network of industry professionals from the real estate, finance and insurance industry to find the best products for your needs.  If you are purchasing a new home, buying an existing property or moving into a new home you have built, contact our office to see how we can help.   


What Homeowners Insurance Covers

It’s not just your home that needs protection from unexpected risks such as fire, vandalism and theft; the things you care about inside your home need strong coverage too.  Jewelry, guns, cameras or sporting equipment are all examples of special coverages which can be specifically insured to value on a homeowners policy.  In addition to covering the contents of your home, homeowners insurance can also cover other structures on your property such as fences, storage sheds, and garages.  Following are some other basic examples of the types of coverage found on a typical homeowners policy. 

  • Coverage for additional living expenses if your home is too damaged to occupy during repairs.
  • Coverage for personal possessions such as furniture, appliances, electronics and valuables if they’re stolen, destroyed, or damaged.
  • Liability protection from lawsuits brought on by a third party. 
  • Medical payments coverage in the event someone is accidentally injured on your property.

A standard homeowners policy generally protects your home from damages caused by fire, lightning, windstorms, hail, smoke, theft or vandalism, aircrafts and vehicles, falling objects, and even snow.  However, you will need additional protection against damage from Earthquake or Flood, which are commonly excluded on a standard homeowner's policy. 

We can help you determine the best coverage options for your home, including optional coverages such as identity theft protection, guaranteed replacement cost, and personal property endorsements for valuables such as jewelry, furs, guns, cameras, sports equipment, stamps, and antiques. We can also help you package your automobile insurance with your home saving you money.   Your home, your family, and your belongings deserve the best possible protection possible.   Let us help you find the best homeowners insurance to cover your needs.