Marina del Rey Homeowners Insurance

Bromberg Insurance Services has been offering Marina del Rey Homeowners insurance since 1965. We have committed ourselves to providing harbor residents with good quality protection underwritten by top-rated insurance companies including Allstate, Fireman’s Fund and Chubb, just to name several. As home and business owners ourselves, we comprehend the distinctive demands of property owners in Southern California and strive to understand the individual desires of each of our customers.

Marina del Rey Homeowners Insurance Quotes

We supply various ways for you to receive a quote on homeowners insurance. The easiest way is usually to call and speak with a licensed professional agent, or for a much more extensive quote please complete the quote form and an agent will prepare a detailed analysis of the existing policy and may make recommendations that could increase your coverage and possibly save you some money.

Being Conscious of the Difference: Homeowners Insurance at a Glance

You will find two important concerns when buying homeowners insurance in Marina del Rey. The first concerns the actual value of the household and its contents. The second concern lies with exactly where your property is located. Bromberg Insurance Services realizes that the single largest asset of most people is their household, and protecting that asset is usually a priority. On the other hand, you will need to review the numerous possibilities available in order to supply sufficient coverage for your home from a catastrophic loss. You can find four major categories that should be addressed in an effort to protect your property and these are:

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 Brentwood 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.

Marina del Rey homeowners insurance can grow extremely complex due to certain dangers that happen to be unique to this area. The Bromberg agency understands these risks and stands prepared to advise you on the way to best cope with them as you are protecting your automobile insurance, motorcycle insurance, life insurance, health insurance, long-term care and commercial insurance needs.

Call at this time to speak with a trusted Marina del Rey homeowners insurance advisor from the Bromberg Insurance Agency when you have questions, or feel free to put your name and number inside the “Instant Call Back” form and one of our licensed agents will contact you shortly.