The Driver's Choice
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(951)735-7555    624 E. Grand Blvd., Suite D * Corona, CA
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We're Driver's Choice insurance and your well being is our reason for being. You can count on us to provide unconditional support and service when you need it most. That's the bedrock of our business, and we don't believe in charging you extra for it!


Home Insurance 101

Do I really need insurance for my home?

Insurance is your protection against the uncertainties of day-to-day living. For most people, their home is their single most valuable possession - and their biggest investment. Homeowners insurance protects your investment as well as you, the members of your family and your household possessions.

Yet another reason you need to carry homeowners insurance is that mortgage lenders require it. No mortgage company will lend the large amounts of money needed to finance homes at today's prices without requiring an insurance policy to protect that investment.

Homeowners Insurance Coverage:
If you were to suddenly lose your home due to fire or a tornado or have the contents damaged or stolen, like most of us, you probably could not afford to replace everything all at once. And if somebody sued you for an injury or damage caused by you, the cost of defending that suit could run into thousands of dollars in legal fees - and are regardless of the outcome of the suit.

All of these situations are covered by the homeowners package policy. While it may be unpleasant to think about fire, theft, and other "uncertainties of life," let's face it, they are there and things happen.

Your homeowners insurance is important; it protects what is probably your greatest asset. The following coverage definitions should help you understand your homeowners policy--but be sure to consult your insurance company representative to assure that you have the right coverage for your needs.

Dwelling Coverage:
The dollar amount carried to cover your home and any structures attached directly to it. Ideally, the amount of coverage you carry should equal the cost of rebuilding your home after a total loss.

Other Structures Coverage:
Covers other structures set apart from the dwelling on the residence premises, such as a detached garage. This coverage applies up to the limits provided in your policy and can be increased if necessary.

Personal Property Coverage:
This coverage provides worldwide coverage for personal property owned or used by the insured.

Loss of Use:
This coverage is available when you cannot live in your home due to a covered loss. It pays living expenses which go over and above your normal living expenses up to the limit provided in your policy.

If someone is accidentally injured or dies on or off your property, and it is caused by you, a family member or pet, this coverage pays claims against you for legal responsibility. (Does not include automobile or business liability.)

Medical Payments
Your Hartford policy will cover actual medical expenses for accidental injury to others (except your household residents) caused by you, family members or your pets -- on your premises or elsewhere -- regardless of legal liability.

Homeowners policies have many other optional features available to you depending on your individual needs. These include earthquake and scheduled personal property coverage.

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