Below is a great consumer education website (non-profit group) a Scripps Ranch based organization called United Policyholders. There is a lot of great insurance information that should be helpful for you. I strongly suggest you educate yourself about what exact coverage you are getting for the price. (When it comes to a real claim, It is not just the cost of it...but the value of what you get in return).
Marcie Sands, REALTOR
Simply The Best Real Estate Company, Inc.
Insurance can be complicated - companies may refer to similar items using different terminology. Here is what I advise my clients:
Pick three insurance companies you are interested in getting a quote.
Decide what type of coverage your think would be best for you (minimum, mid level, premium)
Decide the deductible amounts you are comfortable with.
Contact the first insurance company have them provide you a written quote.
Contact insurance companies #2 and #3 and email them your quote, asking for the SAME coverage. Any changes to highlight (as sometimes one company may work with every $500 another every $1,000).
Also - a correction to a comment below. I do not believe credit based insurance (using a credit score) is allowable in California. Last I checked the State had banned this practice (http://www.uphelp.org/library/resource/credit-scoring-insura ). But if this may be a concern ask the insurance company.
I heard at one time that the insurance company also run a credit checks on prospective insurer and if in high risk will increase your rates. Also any reported claims will be in your clue report that will also increase your rate or be rejected by the insurance companies.
As stated before, many factors and best answered by an insurance provider.
Please make sure to tell them if the house has fire sprinklers as it will improve your rate.
Most homes built since 2007 have been mandated for fire sprinklers by the City of Poway.
Best of luck,
Mark & Kari Shea
Shea Real Estate
Serving Greater San Diego
In my opinion this could be a dificult question to ask because it depends on many things when it comes to the home however there is some websites that you can get a quote at for your home or you can fill in the information for a home you like or would like. (http://fireinsuranceequotes.com/)
When you are ready to set up your fire insurance use these steps to help you :)
Before you make a commitment on an insurance policy, you will want to sit down and talk with an insurance agent to find out what options and coverage are available to you.
1.What will your policy cover?
2.What replacement cost is covered?
3.What causes does the policy cover?
Acts of war
Shop around. Do not be persuaded to go with the first agent that offers you a deal. Other companies may have better coverage and even better deals. So do your homework before you commit to a policy.
Hope this helps :) -Alisha Sears
Let me know if I can help you in any way!
Joan Wilson (Realtor, SRES, Ecobroker, Certified REO, HAFA, and Short Sale Specialist)
Prudential California Realty
Direct Phone: 760-757-3468
800-975-7481 x 111
License # 01341483
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