Homeowners Insurance in Dublin, CA
Homeowners insurance can provide critical financial protection for your home and your possessions against unexpected incidents. If your house is damaged due to a fire or someone is injured on your property due to your negligence, your home insurance can pay for the resulting expenses. Additionally, home insurance may cover personal belongings if you experience a break-in or if they were stolen outside your home.
What Does Homeowners Insurance Cover? 
The coverage included in home insurance differs from policy to policy. Generally, a basic home insurance policy can provide financial assistance for damages that impact the following:
- The physical structure of your home
- The belongings stored inside the home
- The use of the home (i.e., temporary living expenses if your home is damaged and you can’t live there while it’s repaired)
Homeowners insurance can also provide liability coverage if someone gets injured on your property. Keep in mind that home insurance is designed to cover unexpected damage, not routine maintenance. Review your policy and discuss the specific coverages with your agent to understand precisely what is and isn’t included.
What Is the 80% Rule in Homeowners Insurance?
The 80% rule states that homeowners should have a policy that covers at least 80% of their house’s total replacement cost to qualify for full compensation from their insurer. Most insurers adhere to this guideline, so it’s crucial to follow it to avoid penalties for insufficient coverage.
This also means that understanding the total replacement cost, or the amount needed to reconstruct your house with current construction materials if damaged, is essential when deciding the amount of coverage to purchase.
Where to Get Home Insurance
JSW Insurance provides top-notch insurance solutions to our neighbors in Dublin, Pleasanton and San Ramon, California. Reach out today for a homeowners insurance quote.