Home Insurance
Your home is one of your most important investments—and protecting it with the right insurance is essential. In Southern California, homeowners face a unique set of risks, including wildfires, earthquakes, and property crime. Our home insurance services are designed to give you peace of mind, whether you live in the hills of Los Angeles or the suburbs of Orange County.
We work with top-rated insurance carriers to provide customized homeowners insurance policies that fit your property type, location, and budget. From first-time buyers to long-time homeowners, we help clients across Southern California safeguard their homes and financial well-being.
Dwelling Coverage
Dwelling coverage is the foundation of a homeowners insurance policy. It protects the structure of your home, including the walls, roof, floors, windows, and built-in systems such as plumbing and electrical. If your home is damaged or destroyed by a covered event—like a fire, windstorm, or vandalism—this coverage helps pay for repairs or rebuilding.
We assess your home’s size, construction materials, and location to determine the right replacement cost value. In high-risk areas, we also offer enhanced options to address specific regional concerns, such as wildfire protection or extended replacement cost coverage.
Personal Property Coverage
Your home insurance doesn’t just protect the building—it also covers the personal belongings inside it. Personal property coverage reimburses you for the loss or damage of furniture, clothing, electronics, appliances, and other valuables due to covered events like theft, fire, or storm damage.
We offer policies with replacement cost coverage, which reimburses you for new items of similar kind and quality. You can also add endorsements to protect high-value items like jewelry, art, or collectibles.
Liability Coverage
Liability protection is a crucial part of homeowners insurance. It covers you financially if someone is injured on your property or if you’re found legally responsible for damage to someone else’s property. For example, if a guest slips on your walkway or your dog accidentally injures a neighbor, liability coverage can help pay for medical bills, legal fees, and settlements.
Standard policies include personal liability coverage, and we offer umbrella insurance for those who need additional protection beyond basic policy limits. Lawsuits and legal expenses can be costly, and our insurance options provide relief to safeguard your finances.
Protect Your Home with Confidence
Home insurance provides more than just financial protection—it offers the peace of mind you deserve. Troy Kelly, home insurance agent in Southern California, is here to answer your questions, explain your options, and help you choose the right coverage for your unique situation.
If you’re a homeowner in Southern California, now is the time to ensure your property is properly insured. Contact us today for a free home insurance quote or to schedule a consultation. We also offer wildfire insurance, umbrella insurance, and other types of insurance based on your needs.