Century City Homeowners Insurance

Bromberg Insurance Services has been supplying Century City homeowners insurance for more than 47 years. We’ve committed ourselves to offering Century City residents with excellent protection underwritten by top-rated insurance companies like Allstate, Fireman’s Fund and Chubb, just to name a few. As home and business owners ourselves, we understand the unique demands of property owners in Southern California and strive to understand the individual demands of each and every one of our clients.

Get a Fast, Free Century City Homeowners Insurance Quote

We provide several different methods for you to obtain a quote on your homeowners insurance. The easiest way is always to call and speak with a licensed agent, or for a more extensive quote please complete the quote form and an agent will prepare a detailed analysis of your existing policy and can make recommendations which will enhance your coverage and possibly save you some money.

Homeowners Insurance at a Glance

You’ll find two principal issues when purchasing homeowners insurance in Century City. The first issue is the actual value of one’s property and its contents. The second concern lies with where your property is located. Bromberg Insurance Services realizes that the single largest asset of many people is their house, and protecting that asset is usually a priority. You need to understand the many options available to protect your dwelling from a catastrophic loss. There are four important categories that must be addressed to be able to guard your property and these consist of:

1) Property and Possessions Coverage which provides coverage for the dwelling and any personal property/contents that you want covered. The value of the property is determined by market value, while coverage is based on the actual cost to replace the structure. Because of fluctuating home values and variable construction costs, it is important to have an agent, like the Bromberg Agency, review your Beverly Hills homeowner’s insurance policy on an annual basis.

Personal property can be covered based on estimates of its current value and your policy should provide for replacement value of your possessions and not just actual cash value. While replacement value coverage is slightly more expensive, it gives you the ability to replace possessions instead of discounting their value, and leaving you with a rebuilt home and no furnishings.

High-value items such as jewelry, furs, fine art, collectibles, and antiques should be covered under separate riders to protect your investment. All homeowners should take the time to document their high-value items and maintain up-to-date appraisals on these items. Photographs and video tapes provide an excellent way to document the items in your home.

Important tip: Bromberg Insurance Services Inc. strongly suggests that any appraisals, photographs, videotapes, and copies of your insurance policies be maintained in a secure place away from your personal residence in case of disaster. A safe deposit box, fireproof safe/vault or in the safekeeping of an attorney are excellent options for protecting these items.

2) Liability Coverage provides homeowners with peace of mind from possible financial losses that may occur if someone is injured on your property. Most policies include a minimum of $100,000 of liability protection, which in many cases is inadequate.

Depending upon your financial net worth, it may be prudent to consider an umbrella liability policy, which can provide $1 million or more of protection for your home and automobile. This type of umbrella policy can cover additional forms of liability that are often excluded from traditional liability policies.

3) Theft of Property not on the premises often occurs when we are traveling and we carry valuable possessions with us. An off premises option in your homeowners insurance policy will protect items that may be lost, stolen or destroyed while traveling.

4) Additional Living Expenses are normally covered under your homeowner’s insurance policy in the event that your home is uninhabitable due to a covered event. However, it is important to make sure any additional living expenses provided under your policy allows you to maintain a suitable residence while your home is being repaired.

Century City homeowners insurance can turn complex as a result of the distinct dangers distinctive to this area. The Bromberg Agency understands these risks and stands ready to advise you on the best way to handle them while protecting your property, your loved ones and your economic future. We not only offer custom homeowners insurance but may can meet your automobile insurance, motorcycle insurance, life insurance, health insurance, long-term care and commercial insurance needs.

Call to speak with a trusted Century City homeowners insurance advisor from the Bromberg Insurance Agency in case you have immediate concerns, or feel free to put your name and number in the “Instant Call-Back” box and a licensed insurance advisor will contact you as soon as possible.