Home insurance protects homeowners in California against loss due to accidents, disasters, and theft. Hathaway Insurance Services is a renowned insurance provider in various lines of insurance.
We cover you against prosecution for bodily injury and property damage that you cause to someone else. Also, we cover the damage that your family members and pets cause. For example, your child can damage a neighbor's window. Liability protection pays for the cost of hiring a lawyer to defend you.
Also, Insurance pays for court awards up to the maximum limit stated in your insurance policy. If you need additional coverage, consider buying an umbrella to broaden coverage. The insurance offers no-fault medical protection in case a friend is hurt in your home. They need to submit their medical bills to us for the insurance company to pay them.
Additional Living Expenses (ALE)
Insurance covers extra costs you incur after an insured disaster damages your house. Insurance pays for restaurant meals and hotel bills as you rebuild your home. However, the insurance has limits that don't affect the funds available to repair your house.
Standard home insurance covers the expenses incurred when rebuilding a house that has been damaged by hail, fire, and certain weather. Also, we insure detached structures in California including garages and tool sheds.
Personal belongings such as clothes, furniture, and sports equipment against theft and damage by fire or covered perils.
It’s worth noting that some personal items such as jewelry may need extra coverage. Our agents will guide you through the process. It’s crucial that you speak to them about personal items you want to be included in the coverage.
What is not included
Also, if you live in areas prone to floods and earthquakes, you should consider having specific coverage tailored towards such perils. These types of disasters are not typically included in a home insurance policy.
Are you in need of a full home insurance policy? Contact Hathaway Insurance Services to get started and receive a quote. We have over ten years of experience in the industry and can offer reliable policies to our clients throughout the state of California.