For many, a home is their most significant asset. More importantly, it's where families are raised and lifelong memories are made.
At Namaste Insurance Agency in San Leandro, CA, we help you safeguard this cherished asset with home insurance tailored to your priorities and budget.
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Lost Passport
Fire Coverage
Medical Payments
Theft
Personal Possessions
Lost Passport Coverage
Risk Factors
While on vacation in Europe, you lose the tote bag with everyone’s passports.
Solution
Your homeowners' policy can help with the cost of replacing passports and other valuable papers.
Fire Coverage
Risk Factors
You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.
Solution
Property coverage in your policy can help if your house is damaged by fire or smoke.
Medical Payments Coverage
Risk Factors
A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn fracturing his wrist when he falls against a stone retaining wall.
Solution
Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.
Theft Coverage
Risk Factors
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.
Solution
If your possessions are stolen, damaged, or destroyed in an insured loss, your coverage can help replace them up to the policy’s stated limits.
Personal Possessions Coverage
Risk Factors
You mastered the basics of surfing during lessons in Hawaii, but your wedding ring is stolen.
Solution
With personal possessions coverage, lost jewelry is covered up to your policy limits.
What is Home Insurance?
A standard home insurance policy from Namaste Insurance Agency in San Leandro, CA, safeguards your home's structure and belongings in the event of a disaster, such as a fire.
Additionally, these home insurance policies are typically “package policies.” This means they cover both damage to your property and your liability—your legal responsibility—for any injuries or property damage to others caused by you or your family members (including your household pets).
What are the different types of Home Insurance coverage?
A home insurance policy usually covers four incidents on the insured property: interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that occurs while on the property.
Home insurance does not cover everything, no matter your policy limits. For this reason, it’s a good idea to customize your policy with additional coverages to suit your specific situation.
Some optional add-on coverage includes earthquake insurance, flood insurance, replacement cost plus, other structures insurance, personal umbrella liability insurance, and many more.
The Importance of Home Insurance
Owning a home is likely to be your most significant investment. It serves as your safety net for years to come. Protecting your home with home insurance provides a sense of security.
If something happens to your home’s structure and it is covered by the right insurer, home insurance in San Leandro, CA, will cover the cost of rebuilding your home.
Home insurance will also cover the cost of your belongings in the event of severe damage. Small items can add up quickly, even if you don't think you own many expensive possessions.
Accidents can happen, and someone could get hurt on your property. Home insurance protects you from the unexpected.
When purchasing home insurance in San Leandro, CA, it’s important to tailor the coverage to your specific needs. At Namaste Insurance Agency, we can help you select the right coverage for your needs.
Already have Home Insurance? Switching is easy
It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
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Namaste Insurance Agency
We extend coverage to individuals and businesses in San Leandro, CA and surrounding areas. Namaste Insurance License no - CA 6001662
