Protect Your Family and Your Security with Quality Coverage
You are supposed to feel safe and secure in your home. It’s often the place where most of life’s important events occur, after all. It also is one of the most expensive investments you will ever make, and it is always vulnerable to losses. One of the best ways you can protect your property and family is by carrying quality homeowners insurance.
Home insurance exists to protect property owners from a multitude of hazards and challenges that might damage a home and call the owner’s financial security into question. To get the right policy, you can rely on the expert agents at ANA Insurance Brokerage, Inc. to help.
Here at ANA Insurance, we’re committed to meeting the needs of our community, which is why we offer only the best property and casualty insurance options from numerous leading carriers. We’ll help you find a policy to fit your budget while still customizing your plan to fit your needs.
We provide residents of South Gate, Bellflower, Santa Ana, Downey, Long Beach and Los Angeles with quality insurance solutions. Let us be your partner, too.
More About Homeowners Insurance
What does home insurance cover?
You never know when a challenging event like a fire, break-in or severe storm might damage your home or compromise your property’s security. You’ll need to rebuild quickly to minimize the financial impact of these challenges. Home insurance can help you pay for the repairs and recovery costs that might arise so that you don’t have to try to pay them out of your own pocket.
Why is home insurance important?
Home insurance is a key to your financial security. That is why all plans can be customized to meet the unique needs of different property owners. You will want to customize yours in the ways that will most effectively reduce your financial burden from unexpected or unavoidable household perils. Our agents are experts in helping you find the solutions that you need.
Plus, we know that you need coverage expediently when you buy a home. Most lenders require mortgage applicants to furnish home insurance before they will approve the loan. Our agents will help you find a policy that complies with your lender’s requirements and still meets your personal goals.
How much home insurance do I need?
You want to buy enough home insurance to protect you against the numerous property damage risks and personal liabilities. Usually, you will need multiple types of coverage, including:
Dwelling Insurance: Covers the structure of your home against unexpected damage from fires, certain severe weather, theft or vandalism.
Other Structures Insurance: Helps you repair damage to detached buildings on your property such as storage sheds, fences, carports, detached garages or gazebos.
Contents Coverage:Insures the belongings in your home in case theft, fires or other hazards damage them.
Homeowners Liability Insurance: If you are legally responsible for the injuries or property damage that a third party like a neighbor sustains, then this coverage can pay for that person’s losses and cover your legal expenses if they sue you.
Accidental Medical Payments Coverage: Someone might get hurt in your home, and even if the accident is not your fault, you can still use this coverage to compensate that person.
Also, since every property has a unique set of risk factors that might challenge your security, you will usually need to customize your plan with special endorsements like:
Scheduled/High-Value Possessions Riders
Replacement Cost Contents Insurance
Sewer & Sump Pump Backup Coverage
Identity Theft Coverage
Equipment Breakdown Coverage
Food Spoilage Insurance
Personal Injury Liability Coverage
Pet Bite Liability Coverage
We offer policies for all shapes and sizes of homeowners, including landlords, renters, condo owners, mobile/manufactured homeowners and high-value homeowners. Additionally, we can help you determine if you need additional policies like umbrella liability insurance, flood insurance, earthquake coverage, windstorm insurance, or home-based business insurance.
What will my policy cost?
If you are concerned that your home insurance is going to be too expensive, you can lay those fears aside by working with us. We offer policies from numerous carriers who are leaders in the insurance industry and who offer competitive, affordable prices for all homeowners. We’ll help you choose a plan from the insurer that always offers you the most opportunity to save on your rates.