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
Coverage for Homeowners Across California
For over 30 years, Carlos Villalobos Insurance has served homeowners across California with comprehensive and affordable homeowners insurance. With 24/7 assistance and a variety of discount offerings, we work hard to protect your home with the right policy for your family and your budget. No one home is the same, and we will tailor a policy that suits your coverage needs according to your home’s replacement cost value, the value of your belongings and the likelihood of a liability claim.
Homeowners Insurance Coverages We Offer
We offer a range of coverages both basic and tailored for your home. A basic home insurance policy from Carlos Villalobos Insurance may include:
Dwelling Coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures caused by fire, lightning, wind, hail, smoke, explosions, theft, vandalism and more.
Personal Belongings Coverage: Also known as personal possessions coverage, this insurance covers your personal items in case of loss or damage due to fire, lightning, wind, hail, smoke, explosions, theft, vandalism and more.
Liability: Liability insurance covers expenses related to bodily injury and property damage another person may suffer on your property. If someone is injured on your property, for example, liability insurance will help pay for their medical bills. It can also help you with legal fees in case of a lawsuit.
Additional Living Expenses: Additional living expenses help pay costs related to temporarily moving in case the home is rendered uninhabitable due to a disaster.
While some homes may be fine covered under a basic home insurance policy, many homeowners benefit from additional coverages to protect their home and assets. Additional homeowners insurance coverages we offer include sewage backup and umbrella liability insurance.
Is Anything Not Covered Under Homeowners Insurance?
Most homeowners insurance policies have certain exclusions, such as excluding damage caused by homeowner negligence, floods and earthquakes. Homeowners insurance policies can sometimes exclude certain pets and dog breeds from liability coverage, as well, such as German Shepherds, pit bulls, huskies and more.
Protect Your Home with Carlos Villalobos Insurance
It is never too early to buy a home insurance policy, but it can be too late. Don’t wait until a disaster strikes only to find out that you don’t have enough coverage to pay for the damages. Get a quote by filling out an online quote form and see how much you can save on homeowners insurance or connect with a Carlos Villalobos Insurance agent at 661.255.8282 today.
Common Homeowners Insurance Questions
How Much Homeowners Insurance Do I Need?
Homeowners are recommended to carry at least 80% of their home’s total replacement cost value in home insurance, although 100% is more ideal. Your home’s total replacement cost value is how much it would cost to completely rebuild your home after a disaster, including labor and material costs.
Can Homeowners Insurance Cover Roof Replacement?
In some instances, homeowners insurance may cover roof replacement. Speak to an insurance agent about the limitations and coverages available on your policy. Roofs can be expensive to replace, after all, and some roofs may cost more to insure than others.
When Should I Buy Homeowners Insurance?
You should purchase homeowners insurance before signing the dotted line to purchase the house. As soon as the home is in your name, you are responsible for damages and accidents, even if you haven’t moved in yet. You should have a homeowners policy in place from the moment you pick up the keys.
Why is Homeowners Insurance Required?
While homeowners insurance isn’t required by state or federal law, most lenders will require homeowners to carry a certain amount of insurance. Generally, they require homeowners to carry enough insurance to cover the mortgage of the home in order to protect the lender against potential losses.