Homeowners Insurance

Homeowners Insurance Information

Home Insurance in Yuba City CA & Colusa CA

G Stan Kearby Insurance Agency, Inc.  is committed to helping every client get quality insurance benefits that will protect them in all parts of their lives. If you are a homeowner or are embarking on the journey of buying your first home, then you must adequately insure your property with a homeowners insurance plan that is customized to fit your precise needs.   

What Is Homeowners Insurance?  

Buying a home means making one of the most important and expensive investments of your life. That property value alone is worth protecting, and your home’s sentimental value is priceless, and homeowners insurance will help you get the safeguards that you need in order to feel secure.  

You never know when an unpredictable event like a house fire, break-in or severe storm might occur. Homeowners insurance will pay many of these recovery costs on your behalf. That way, you can rest assured that you will be able to move on from life’s challenges without overextending yourself financially.  

What Does Home Insurance Cover?  

Homeowners insurance policies offer a variety of benefits, each designed to offer targeted protection for a number of unexpected issues. These include:  

  • Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.  
  • Detached structures coverage: Other elements on your property – such as fences, carports, gazebos and detached garages - will have coverage.  
  • Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.  
  • Liability coverage: If you harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.  
  • Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.  

Consider further tailoring your benefits with more unique options like:  

  • Scheduled items riders  
  • Replacement cost value possessions coverage  
  • Umbrella liability insurance  
  • Flood insurance  
  • Earthquake and windstorm endorsements  
  • Pet liability insurance  

We will customize your plan to your advantage by helping you tailor your deductibles and overall coverage limits. Most mortgage lenders require homebuyers to purchase homeowners insurance before they will approve loan applications. Generally, they will require you to obtain at least enough dwelling coverage for your home’s replacement cost value.  

Get Homeowners Insurance Today 

Choose us as your local homeowners insurance agency, and you’ll get access to a network of top-rated policies. We offer policies for residents in Yuba City CA, Colusa CA, and the surrounding areas, and we’re here to help you sift through the myriad of policy options on the market to find the perfect coverage solutions.  

Call us for more information or request your free quote now.