Home Insurance
Protect your family’s home with a comprehensive homeowner’s policy. In California, homeowners insurance is required to purchase a home. A proper plan protects you from damage to your home and provides liability coverage for injuries caused on your property. OP Insurance Agency works with numerous A-rated insurance companies to find the perfect match for your insurance needs while taking into account budget, location, coverage and more.
UMBRELLA POLICY
Add extra liability coverage that will go beyond the limits of your current home and auto insurance policies. Should you own a home or have assets that exceed your homeowner’s and auto liability limits, an umbrella policy is highly recommended.
RENTER’S POLICY
Although you may not own a home, a renter’s policy is a great way to insure your current possessions. Most landlords carry a landlord dwelling policy, but this will only cover the structure of the building itself. In order to make sure you are properly compensated for anything that happens to your possessions while in your home, a renter’s policy is a great option and relatively affordable.
EARTHQUAKE POLICY
Unfortunately homeowner’s policies do not cover any damage caused by an earthquake. As a California resident, especially in areas surrounding major fault lines, earthquake insurance should be considered.
FLOOD POLICY
A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Certain homes dependent upon topography, might consider this insurance. Note, any flooding caused by plumbing will most likely be covered in your homeowner’s insurance policy.
Sample Quotes
| Home | Home #1 | Home #2 | Home #3 |
| Square Feet: | 2,263 | 1,850 | 1,200 |
| Location: | La Mesa, CA | Los Angeles, CA | San Diego, CA |
| Year Built: | 1948 | 1953 | 1951 |
| Estimated Annual Premium*: | $694 | $760 | $502 |
| *Price not guaranteed | |||