Homeowners Insurance

Protection for Your Family and Your Investments

Your home is your family’s hub. Rather than letting it sit unprotected, having homeowners insurance can ensure that your home is safe—even when you’re not around. At B2 Insurance, we can help you find the best homeowners insurance policy for your family and your budget.

What Homeowners Insurance is Right for You?

Homeowners Insurance can provide your family with more coverage than you might think. Here are a few things your homeowners insurance policy can cover:

  • Coverage for your home and structures from damages such as, fire, storms, theft, and more
  • Protection for personal possessions within the home that were damaged or stolen
  • Liability coverage helps cover cost if someone was injured or property was damaged on your property.

At B2 Insurance, we have connections to some of the best insurance providers in the South Bay and across the nation, ensuring preferred rates that you simply can’t find anywhere else. For over 15 years, we have helped many families get the protection they need for their homes and for their own peace of mind. When you choose B2 Insurance, you can feel rest assured that you’re getting the best policy for your family.

Understanding Homeowners Insurance Through Our FAQ

Buying a home can be an exciting, yet overwhelming process. There are many elements that go into making a house a home that finding the right homeowners insurance policy can be an afterthought. Rushing to get homeowners insurance for your new home can lead to a huge mistake down the road. Here’s a few of the most commonly asked questions that homeowners, like you, frequently ask our team.

Black Q IconWhat’s included in a homeowners insurance policy?

Although each and every homeowner’s insurance policy is different, there are some standing features that you can prepare yourself for. They are:

  • Declarations – This can include the basics to your insurance policy, including: name and address, the cost of your policy, description of coverage and home, name of your insurance agent, and more.
  • Definitions – This section can include information regarding the terms of your policy.
  • Coverage – Detailed descriptions of the protection for your property that is covered in your policy.
  • Exclusions – Anything that is not covered in your policy will be detailed in this section
  • Conditions – The responsibilities and duties of both you, the homeowner, and the insurance company in the event that a claim is filed.

Black Q IconHow can I save money on my homeowners insurance?

There are a few preventative measures that you can take to save money on your homeowners insurance policy. They are:

  • Raising your deductible
  • Bundle your home and auto insurance
  • Add storm or fire resistant materials to your home
  • Install a smoke alarm
  • Invest in a burglar system
  • Maintain or increase your personal credit

Black Q IconWhy do I need to do a complete inventory of my home?

When you are getting started with your homeowners insurance policy, you will be asked to complete an inventory of your personal possession and other elements of the home. This is completed for two reasons.

It allows the insurance company to get a better idea of the total value of your property, and it acts as a comprehensive list of your possessions that can be valued and replaced in the event that they were damaged during a fire, storm, or other disaster.

Black Q IconWhat can affect the price of my homeowners insurance?

There are many elements that can affect the cost of your homeowners insurance premium. A few of the many things to consider before you choose a homeowners insurance policy are:

  • Age and structure type of the property – If your home is older it may cost more to insure. Homeowners insurance agents see older homes as more of a liability, as they are more likely to need repairs, which is why your premium might increase.
  • Location of your home – In the event that your home is near the water, near a fire station, or in an area where it it more easily susceptible to damage, your premium could increase.
  • Personal credit – Your personal credit history is a well-known factor that can affect the price of your premium. The better your credit, the less you’ll end up paying.
  • Smoking habits – In most cases, smokers end up paying more for their homeowners insurance, as cigarette smoke can cause damage to the integrity of the home.
  • Preventative devices – By installing a smoke detector or burglar alarm, you can end up paying less for your monthly premium.
  • Your past claims – If you have a history of claims on your homeowners insurance policy, you might end up paying a higher monthly premium.

Life is full of unknowns. Plan for the unexpected with homeowners insurance.