Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
Home Insurance for Homeowners in Contra Costa County, Central Valley and Central Coast
As a homeowner, one of your many responsibilities is to protect your home and everything inside from accidents, weather and disasters. One of the many ways you can do this is with a comprehensive home insurance policy. Home insurance provides coverage for your home in case of an accident or disaster causes heavy financial stress for you and your family.
At Esperanza Gutierrez Insurance Agency, our insurance professionals understand that each home and family is different, as are your home insurance needs. We will work with you to protect your home with a tailored and affordable home insurance policy.
Home Insurance Coverage We Offer
A home insurance policy through Esperanza Gutierrez Insurance Agency may include:
Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.
Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs.
Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more.
How Much Home Insurance Do I Need?
Every homeowner’s insurance needs are different. In general, it is recommended that you carry enough home insurance to cover the total replacement cost value of your home. This is how much it would cost to completely rebuild your home after it was damaged or destroyed in a disaster, including building and material costs.
Insure Your Home Today
Protect your home and everything in it with a comprehensive home insurance policy from Esperanza Gutierrez Insurance Agency. Call us at (925) 392-0506or fill out an online quote form to get started today.
Common Home Insurance Questions
How Far in Advance Can I Buy Home Insurance?
You should have home insurance by the time you’re ready to sign the dotted line and move in. This helps to ensure that you will be covered before ever stepping foot in your home.
How Many Home Insurance Claims Can You File in a Year?
There is no set limit to how many home insurance claims you can file. Filing more than one home insurance claim in a single year can raise flags with your insurer, however.
How Much Does Home Insurance Cost?
Home insurance premiums vary depending on your location, credit score, claims history and other factors. Fill out an to find out how much you can save on home insurance today.
Why is Home Insurance Important?
Home insurance is crucial for protecting your house and everything in it from common risks. This insurance helps cover expenses for repairs and rebuilding that you may otherwise struggle with after an accident.