Homeowners Insurance

Protect your most valuable asset with the right policy or policy package. Serving San Diego and all of California.

The home insurance market has changed significantly since the devastating wildfires of 2017 and 2018. It’s more important than ever to work with an experienced agency that can get you the coverage you need. Not all homeowners policies are created equally.

For over 40 years, Scripps Insurance Services has helped clients find home insurance policies and bundled packages — meeting client needs and providing the most valuable combination of tailored coverage, quality service, and fair pricing.

Whether you own a house or apartment — the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us today for more information or a free quote!

What Is Home Insurance?

Insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

How Much Does Home Insurance Cost?

Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:

• What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
• How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
• Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

Save Money with Bundling Options

By combining your home and auto policies under one roof, you could receive a substantial multiline discount. Plus, an umbrella insurance policy can help ensure you don’t have any gaps in coverage. Click to read more about our Homeowners Packages.

Common Coverage Options

Protection for Your Home

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Protection for You and Other People

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Additional Living Expenses

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses while damage is assessed and your home is repaired or rebuilt.

While it’s common for home insurance companies to put a 24-month time limit on paying additional living expenses, we have found that impractical for California residents — in many cases, rebuilding a home can take 3 to 5 years!

Instead, we work almost exclusively with companies that pay out based on a dollar limit, not a time limit, allowing you the necessary time to repair or rebuild your home.

Protection for Your Belongings

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Scheduled Personal Property Coverage

If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

If You Rent Out Your Home

Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information. We also offer vacation rental and Airbnb insurance policies!

Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video — using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.