Homeowners Insurance in Fair Oaks, CA
Having the right insurance for your home is a top priority for California residents. At Valentina Gaiduchik Insurance Agency, we’re here to help you find homeowners insurance that fits your lifestyle and needs.
Why Does Homeowners Insurance Matter? 
Local homeowners may face risks like wildfires, earthquakes and severe weather. While standard insurance may cover many common perils, it’s important to know what is and isn’t included in your policy.
What Does This Policy Cover?
Homeowners insurance helps with the costs related to damage or loss of your property and personal belongings due to unforeseen events. Typical policies may include:
- Dwelling and other structures coverages may help repair or rebuild your home or other buildings on your property, including sheds, garages or gazebos, if they’re damaged by covered risks such as fire, wind or vandalism.
- Personal property coverage may cover your belongings, such as furniture, electronics and clothing, if they’re stolen or damaged.
- Liability coverage may handle costs if someone is injured on your property or if you cause damage to someone else’s property by accident.
- Additional living expenses coverage may pay for temporary housing and living expenses if your home becomes uninhabitable due to a covered loss.
However, a standard policy may have limitations. You may need extra coverage, such as:
- Flood insurance
- Windstorm endorsements
- Umbrella liability insurance
- Earthquake insurance
- Scheduled items riders
Discuss your risk profile with your broker to understand what coverage may best suit your home.
How Much Should I Pay to Get My Home Insured?
Your insurance provider may look at several factors when deciding your cost, such as:
- Your home’s age and condition
- Location and potential risks
- Value of personal belongings
- Coverage limits and deductibles
- Home features and construction materials
Get a Quote or Learn More
Contact Valentina Gaiduchik Insurance Agency today to request a quote or to learn more.