Protection for your home.

No question that your home is perhaps your biggest investment, which is why having robust coverage is in your best interest.

Homeowners Insurance Coverage types:

Coverage A – Dwelling

This type of coverage protects the structure of your home from perils such as wind or fire.

Coverage B – Other Structures

This type of coverage is designed to offer protection for detached structures on the property, such as fences, mailboxes, sheds, or detached garages.

Coverage C – Personal Property

This coverage is designed to protect your personal property (the items you regularly use which are not a permanent part of your house's or apartment's structure, such as: furniture, televisions, bikes, clothing, appliances, and tools.

Belongings that hold special value (such as jewelry or fine art) need additional specific insurance called scheduling. Contact our office at (805) 783-7130 to discuss scheduling your valued possessions.

Coverage D – Loss of Use

Loss of Use coverage pays for the extra cost of living in the event that your home is considered not-habitable due to an event covered by your policy.

Coverage E – Personal Liability

Personal Liability coverage protects you from instances where you may be liable for negligent actions to others or their property. This coverage also pays for costs incurred in the case that you are sued as a result of injury to others or their property.

Optional Coverages

Optional coverages include:

  • Extended Dwelling Coverage: Provides coverage not covered by Coverage A limits

  • Increased Building Ordinance Coverage: Pays upgrade costs needed to meet building codes

  • Replacement Cost Contents: Replaces the cost of your belongings without taking into account depreciation

  • Scheduled Personal Property: Specified coverage for valuable items such as jewelry.


When water goes where it shouldn’t even a small leak can become a major problem. Some damage from water is covered by your homeowners policy, some is not. Either way, most damage from water is preventable if you have the right coverage.


The purchase of fire insurance in addition to homeowner’s or property insurance helps to cover the cost of replacement, repair, or reconstruction of property, above the limit set by the property insurance policy.


Theft insurance policy provides coverage losses resulting from the theft of personal property. An individual item, such as a diamond ring, may have an individual theft policy, or a policy may cover all property in a given area, like a house.