Upon purchasing a new home, investing in home insurance is a priority. But, with so many options, which coverage will fit your needs?

Let's review what a normal homeowners insurance policy covers:
* Your personal belongings inside the house
* Basic liability coverage
* The actual structure of the home
* The cost of living if a disaster comes your way and prevents you from living in your home, such as: a fire, hurricane, tornado, etc.

If you feel the need for additional coverage, you can increase your policy with:
* Home Business Coverage. When working from home, you need to protect your home office by customizing home business coverage.

* Natural Disaster Coverage. Not all natural disasters are guaranteed coverage. Basic homeowners insurance does not protect you from floods, tsunamis or earthquakes. Depending on the area you live, add the extra natural disaster preparedness you need.

* Valuables Coverage. Your most prized possessions are not always covered. If your new diamond necklace and 60-inch plasma screen television are stolen, the basic policy does not guarantee the full value reimbursement of your vehicles. Having a policy like USAA valuable personal property insurance can ensure that you will get the value you find fit.

For more information on choosing the coverage right for you, watch this video courtesy of Insurance Information Institute and call Bob and Harriet Kipper at (760)471-2200.

Video courtesy of Insurance Information Institute
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Kipper Insurance Agency of California, Nevada & Arizona
Carlsbad, CA 92009
Phone: 760-471-2200
Fax: 760-856-4071
License#: 0E67716

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