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Home Insurance

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Historically, California is home to seven of the ten most costly wildfires, according to the IINC. Do you have coverage to cover this type of scenario?

It is no secret that California is also prone to other natural disasters, from earthquakes to flooding. As your trusted agency, we make sure that we design a policy that will protect your house from the worst case scenario – whether that means natural disaster damages or even liability issues.

Home insurance comes in all shapes and sizes.

Fortunately, home insurance can be designed to fit all types of situations and homes. Homeowners insurance can come in a “package,” and can consist of a group of coverages packed into one. At Dennis Collins Insurance Agency, we will ensure that we provide you with a policy that covers all of your needs, for one affordable premium.

Depending on your living situation, you may be in need of one or more of the following homeowners policies:

  • HO1 Basic or Standard policy
  • HO2 Broad form
  • HO3 Special
  • HO4 Renters policy
  • HO5 Enhanced Special Coverage
  • HO6 Condo policy
  • HO8 Older Home policy

If you are interested in the most basic type of home insurance, you may have coverage for:

  • Liability
  • The physical structure of your house
  • Costs to replace
  • Personal possessions (up to a set limit)
  • Additional living expenses

Many homeowners decide to choose an HO3 policy over the basics, though. It can cover a variety of perils, such as lightning, hail storms, glass breakage, theft and more. It is a reliable, special and “deluxe” policy. As stated above, separate coverage can also be purchased for renters, condo owners, personal articles and more. The options are endless – simply ask and our agents at Dennis Collins Insurance Agency will find the right policy for you.

Make your house a home with an agency you can trust!

At Dennis Collins Insurance Agency, we aim to provide each and every client with excellent service and to build a trusting and lifelong relationship. Allow us to get to know you and your life at home in order to provide you with the most comprehensive and affordable solutions. Give us a call at 888-457-9551 or take a moment to fill out the free quote form. We look forward to protecting your home, sweet home!