• Home Insurance 

Insurance for Homeowners in San Luis Obispo, CA 


Keeping your home safe is crucial for protecting your family and your way of life in case of an accident. One bad uncovered storm could cost you thousands of dollars in repair which can land you in a rough financial spot. Home insurance is designed to help you bear the burdens of these expenses. 

SLO Insurance Services work with a variety of top providers in order to find you the best insurance policy for your home and your family. Not all home insurance policies are created equal and we will help you evaluate your risks so that your policy suits your needs. 

What is Covered Under Home Insurance? 

A basic home insurance policy covers four main areas, including: 

Dwelling Coverage 

Dwelling Coverage covers the actual physical home and its attached structures. Dangers covered under this coverage include fire, wind, hail, lightning, smoke, theft, vandalism and more. If a storm causes damage to your home’s roof, for example, dwelling coverage can provide compensation. 

Personal Belongings Coverage 

Personal belongings coverage covers the same dangers as covered under dwelling coverage such as fire, smoke, theft and vandalism. Your personal items covered under home insurance can be clothes, furniture, decorations, electronics, and more. However, you may have limited coverage for expensive items such as jewelry, furs and art under a basic home insurance policy. 

Liability 

Liability insurance covers claims of bodily injury and property damage someone else may suffer on your home’s property. For example, say someone falls off of your balcony and breaks their arm. You could be held responsible for the injury, which is where liability insurance steps in. Liability insurance can help pay for the victim’s medical bills while simultaneously protecting you from a related lawsuit. 

Additional Living Expenses 

Additional living expenses help with costs related to temporarily moving if your home is rendered uninhabitable due to a disaster.  

Protect Your Home Today 

Protect your home with the right homeowners insurance for your family and your budget. Call SLO Insurance Services at (805) 543-7564or fill out a quote form to get started now. 



Common Home Insurance Questions 


How Far in Advance Can I Buy Home Insurance? 

You should purchase home insurance by the time you’re ready to sign on your home. It is important to have coverage as soon as possible, even before you first step through the door. 

How Much Does Home Insurance Cost? 

The cost of home insurance varies depending on your location, claims history, credit score, value of the home, coverage limits and other factors. Fill out a to find out how much you can save on homeowners insurance today. 

How is Home Insurance Calculated? 

Home insurance coverage is primarily calculated based on your home’s total replacement cost value. Ideally, you should insure your home for 100% of its total replacement cost value, which is how much it would cost to rebuild after a disaster. 

Why is Home Insurance Important? 

Home insurance is crucial for avoiding heavy financial loss after an accident or disaster. Incidents like these can be scary anyway and you don’t want to add any more financial stress onto your plate after something happens.
 

Please contact us if you are interested in a Homeowners Insurance Quote if you are in San Luis Obispo, Arroyo Grande, Atascadero, Templeton, Paso Robles, Grover Beach, Santa Maria, Nipomo, Pismo Beach, Morro Bay, Simi Valley or Los Osos CA.