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619-670-1000

HOMEOWNERS INSURANCE INFORMATION

  • Homeowners
    Overview
  • Get a
    Quote
  • Homeowners
    Coverages
  • How Much Coverage
    Do I Need
  • How to get your
    Policy started
  • Other GOOD TO
    KNOW things...

Homeowners Insurance Quotes are available
by phone at
619-670-1000

(or click the Get a Quote tab)

We protect the roof over your head and everything under it, especially your sense of security.
Our company has been writing homeowners insurance for over 60 years. Today, we insure about 15 million homes.
We offer broad protection that you can trust, plus affordable rates, and outstanding service.
Our Homeowners Policy offers protection for your dwelling, as well as your personal possessions and personal liability.

Manufactured Homes
Manufactured home living is modern and carefree, and as a homeowner, you want insurance that will add to your carefree living by giving you protection for your home, your property and your personal liability.
Protect your home and your sense of security with homeowners insurance.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

 

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Carlsbad Homeowners Insurance
Descanso Homeowners Insurance
El Cajon Homeowners Insurance
Encinitas Homeowners Insurance
Jamul Homeowners Insurance
La Mesa Homeowners Insurance
Lakeside Homeowners Insurance
Oceanside Homeowners Insurance
Rancho San Diego Homeowners Insurance
San Diego Homeowners Insurance
Santee Homeowners Insurance
Spring Valley Homeowners Insurance
Carlsbad Renters Insurance
Descanso Renters Insurance
El Cajon Renters Insurance
Encinitas Renters Insurance
Jamul Renters Insurance
La Mesa Renters Insurance
Lakeside Renters Insurance
Oceanside Renters Insurance
Rancho San Diego Renters Insurance
San Diego Renters Insurance
Santee Renters Insurance
Spring Valley Renters Insurance

Homeowners Insurance Quotes are also
available by phone at
619-670-1000

Easiest of all is to just call our office at 619-670-1000. We're available 24 hours a day to assist you.

Stop by our new office at:
10791 Jamacha Bl
Suite 1
Spring Valley, CA

Or drop me an email at:
DennisVolz at Gmail dot com

Of course you can always send us a post card at:
PO BOX 1961
Spring Valley, CA 91979

Homeowners Insurance Coverages

  • General
    Information
  • Structure
    Coverage
  • Personal
    Property
  • Loss
    of Use
  • Personal
    Liability
  • Medical Payments
    to Others
  • Losses NOT
    Insured
  • Other Optional
    Coverages

General Insurance Information

What is a deductible?

A deductible is the part of a covered loss that you have agreed to pay with your own money.
If you file a claim against your insurance, you will pay only the amount of the deductible. Your insurance company will pay the rest - up to your coverage limit.
When choosing a deductible, you must decide how much you would be willing and able to pay out-of-pocket, if you ever had to file a claim.

Typically, higher deductibles mean lower premiums.

What Is Covered By Homeowners Insurance?

Here’s a little overview….
(All policies are slightly different. These are examples of what a typical policy might have.)

  • It protects your home.
  • It protects your stuff at home
  • It protects your stuff on vacation
  • It protects your stuff in the USA
  • It protects stuff you may have in a storage facility
  • It protects your stuff all over the world ! Yes, that’s right… you lose your stuff ANYWHERE on the planet…you’re covered just as you are in your own backyard.
  • It protects your CHECKS & CREDIT CARDS if they’re stolen
  • It gives you Liability protection....that’s when you get sued
  • It gives you protection for stuff you’d never imagine. Here’s just a few
  • examples
    • Money, Bank Notes, Coins (including collections) up to $200
    • Property used or intended to be used in business
      • On premises up to $1,000
      • Off premises up to $250
    • Watercraft and equipment - up to $1,000
    • Securities, Checks, Traveler’s Checks - up to $1,000
    • Trailers (not used with watercraft) - up to $1,000
    • Stamps, trading cards, comic books (including collections) up to $2,500
  • Theft loss of:
    • Jewelry and Furs - up to $1,000
    • Firearms - up to $2,500
    • Silverware and Goldware - up to $2,500
    • Rugs, tapestry, wall hangings
    • Per Item - up to $5,000
    • Aggregate - up to $10,000
    • Home Computers - up to $5,00

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Other Considerations:

You may elect to buy specialized coverage that provides additional protection for your contents beyond the standard coverage limitations in most renters policies. Ask us about available endorsements to extend coverage. You may also want to consider separate earthquake coverage or flood insurance, as these types of hazards are specifically excluded in most homeowners insurance policies.

Your policy also covers loss of use, including increases in living expenses due to fire or other insured loss. It is a good idea to be familiar with the coverage provisions for living expenses and include the information in your regular disaster plan in case of emergency.

Liability coverage protects you for injuries or damages to others caused by you, a member of your family, or pet. Medical payments insurance covers medical expenses to non-family members injured at your home.

Important: Read exclusions in your insurance contract. Earthquake, flood, mold, earth movement, and "wear and tear" are some of the perils that are usually excluded. When an insurer writes your homeowners coverage, the insurer is legally obligated to offer you earthquake coverage for an additional premium. The earthquake coverage may be written directly by the homeowner’s insurer, by a separate insurer, or through the California Earthquake Authority (CEA).

Homeowners insurance covers the loss of personal property and loss of use due to the above-mentioned perils, and may include liability and medical payments coverage.

More information regarding California homeowners insurance can be obtained by contacting the California Department of Insurance in Los Angeles at 800-927-HELP (4357) or by visiting their website, www.insurance.ca.gov.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Coverage for your Home (The Structure)

What kind of coverage do I get for my home?

Usually your house has what’s called ALL RISK coverage. That means that, except for a few exclusions, anything that happens to your house is covered. If there’s a loss to your house, the adjuster looks at the list of exclusions and if what happened isn’t there… it’s probably going to be covered. Remember that all insurance companies are different and it’s the policy contract that decides, not what I say here!

Some common exclusions include flood, earthquake, riot, freezing of pipes in an unoccupied, vacant, or under-construction building, vandalism and malicious mischief if the building has been vacant for more than 30 days, normal wear and tear, intentional damage, damage from animals, birds, or fish, and war. These are just a sampling of exclusions. See your policy for your actual exclusions.

Your home may be the biggest investment you'll ever make. So if you're serious about protecting that investment, be sure you are diligent in setting up your policy. We'll help you walk throught the process step by step. You don't need to be the expert -- Just give us a call!

If you have any questions, contact using the GET A QUOTE tab above, give us a call at 619-670-1000, or drop us an email at Questions@DennisVolzInusrance.com.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Personal Property Coverage

Personal Property - Coverage B
This coverage helps protect against losses to:

1. The personal property you have in your home such as your clothes and furniture.
2. The personal property you have with you when you are away from home in many places throughout the world.

Coverage for your personal property may include losses caused by:
1. Fire or lightning
2. Weight of ice, snow or sleet
3. Explosion
4. Aircraft and vehicles
5. Smoke
6. Sudden and accidental tearing or bulging of heating or cooling systems
7. Windstorm or hail
8. Theft
9. Riot or civil commotion
10. Falling objects
11. Vandalism or malicious mischief
12. Sudden and accidental water discharge from plumbing or appliances
13. Freezing of plumbing systems

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Loss of Use and Additional Living Expenses Coverage

Loss of Use -- Coverage C
This coverage provides payment for certain losses when your home is damaged and rendered uninhabitable because of an insured loss. This coverage is also usually available when you are subject to a mandatory evacuation by local authorities during disasters such as fire storms. Coverage can apply in some cases even if there was no damage to your residence.

Additional Living Expense
This covers the actual loss incurred for increased expenses over and above what you normally spend for food, shelter and related items for the shortest time required to repair or replace the premises, or for your household to settle elsewhere up to 24 months.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Personal Liability Coverage

Personal Liability -- Coverage L
This coverage provides payment for your legal liability up to the limits in the policy for damages because of bodily injury or property damage caused by an occurrence to which this insurance applies.

In addition, it may provide for the payment of your defense against these claims or suits.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Medical Payments Coverage

Medical Payments to Others -- Coverage M
This coverage pays medical expenses up to the limits in the policy for people who are on your premises with your permission and are accidentally injured.
The coverage also extends to people accidentally injured by your activities.
However, the coverage does not pay for medical expenses for you or members of your family who live with you.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Losses Not Insured

While our homeowners policy provides comprehensive coverage, it does not provide coverage for every loss.
All property coverages are subject to the Losses Not Insured provisions of the policy.
Examples of losses not insured include but are not limited to:

  1. Water damage caused by flood or underground water.
  2. Earth movement including earthquake or landslide.
  3. Damage caused by nuclear hazard.

Please refer to the policy for a complete list of losses not insured.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Summary of Some Other Coverages Available

  • Personal
    Articles Policy
  • Personal Liability
    Umbrella
  • Loss Settlement
    Provisions
  • Special
    Limits

Personal Articles Policy

This is special worldwide coverage in the amount needed for your valuable possessions. It can provide coverage for things such as (but not limited to) jewelry, art, cameras, antiques, collectables (dolls, plates, baseball cards, etc), hearing aids, pets, computers, sound equipment, just to name a few.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Personal Liability Umbrella Policy

This is for a million dollars or more of personal liability protection for many situations which may not be covered by your basic insurance.

  1. Earthquake damage.
  2. Waterbed liability.
  3. Increased business property.
  4. Incidental business liability.
  5. Increased liability limits.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Loss Settlement Provisions--Personal Property

Limited Replacement Cost Loss Settlement
Provides payment based on the cost to repair or replace the damaged property at the time of loss, if actually replaced.

Depreciated Loss Settlement
Provides payment based on the cost to repair or replace damaged property less depreciation at the time of loss.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Personal Property Special Limits

While the Personal Property Loss Settlement provisions determine the loss payment on your personal property, it's important that you know that special limits apply to certain types of property.
For example:

  • Money, bank notes, coins (including collections) $200
  • Property used or intended to be used in business
    • On premises $1,000
    • Off premises $250
  • Watercraft and equipment $1,000
  • Securities, checks, traveler's checks $1,000
  • Trailers (not used with watercraft) $1,000
  • Stamps, trading cards, comic books (including collections) $2,500
  • Theft loss of:
    • Jewelry and Furs $1,000
    • Firearms $2,500
    • Silverware and Goldware $2,500
    • Rugs, tapestry, wall hangings
    • Per Item $5,000
    • Aggregate $10,000
    • Home Computers $5,000

Antiques, fine arts, painting, statuary, and similar articles that cannot be replaced by new articles, and property not useful for its intended purpose, is limited in coverage to its market value. Higher limits on some of these items are available through optional coverages.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

 

 


 

 

 

Understanding the Value of your Home

How to determine your homeowner's coverage

Your home may be the biggest investment you'll ever make. So if you're serious about protecting that investment, here is some important information to consider when determining the coverage amount for your home.

Make sure that your home is insured for at least 100% of its estimated replacement cost

To determine your amount of homeowners coverage:

  • Get an estimate of the replacement cost of your home, and
  • Select the coverage amount that best fits your needs.

We recommend that you purchase an amount of coverage at least equal to the estimated replacement cost. But the choice is yours. Determining your home’s estimated replacement cost is important because this will ultimately determine which policy options are available to you. Since it is impossible to predict today what the exact cost will be to replace your home in the future, it’s important to have enough coverage to account for unforeseen circumstances.

Understand the difference between market value and replacement cost for insurance purposes

Market value is the amount a buyer would pay for a home, including the land, regardless of how much it would cost to rebuild the home. Replacement cost for this purpose is the rebuilding cost necessary to repair or replace the entire home.

Replacement cost IS NOT:

  • The market value of the home.
  • The home’s purchase price or the cost of the land.
  • The outstanding amount of any mortgage loan.

When buying a new home, be sure to obtain a replacement cost estimate

Before you purchase a new home, make sure that you determine the appropriate amount of coverage needed. Here’s how:

  • Ask if a replacement cost estimate is available when you have the home appraised.
  • Or, consult with your local builder association or a reputable builder for an estimate.
  • You can also give our office a call and we'll help you with this process.

Be aware of any architectural details or unique building materials that may affect your estimated replacement cost, such as:

  • Upgraded bathrooms or kitchens (including cabinets).
  • Additional rooms.
  • Custom molding or arched windows.
  • Other unique features.

A contractor or appraiser can help estimate your home’s replacement cost

Building contractors or professional replacement cost appraisers are a good source for obtaining an estimated replacement cost of your home. Estimates from these sources should reflect your home’s features, like those mentioned above. If you are unable to obtain a detailed estimate from these sources, give us a call and we can discuss other options for estimating the replacement cost of your home.

Review your policy annually to make sure that your coverage meets your needs.

Have you recently remodeled or improved your home?

When you upgrade or improve your home, you may increase your home’s estimated replacement cost. Contact your agent and adjust your policy accordingly when you remodel or make improvements to your home.

Has the rate of inflation risen since your last appraisal?

We provide coverage that automatically adjusts each year in an effort to compensate for increases in construction costs in your area. However, certain conditions such as severe weather or wild fires can increase the demand for labor and materials, and raise costs beyond normal inflation. It is important to update your coverage amount each year to keep up with the changing economy.

What influences the building costs in your area?

Market conditions in your area may impact the amount it will cost to rebuild your home if you experience a loss. Replacement cost estimates are influenced by supply of labor, demand for labor, and the cost of construction materials. Keeping up with the current market conditions in your area, and changing your coverage amount accordingly, will help you maintain coverage at least equal to 100% of the estimated replacement cost coverage for your home.

For a more complete discussion the topic of proprely insuring your home, see THE SAN DIEGO INSURANCE BLOG post How Much Homeowners Insurance Do You REALLY Need?

If you have any questions, contact using the GET A QUOTE tab above, give us a call at 619-670-1000, or drop us an email at Questions@DennisVolzInusrance.com.

Coverage for certain types of property, such as those listed below, may have a dollar limit in a Homeowners policy:

  • Money, bank notes, coins
  • Business property (on and off premises)
  • Securities, negotiable instruments
  • Watercraft, including trailers, furnishings and equipment
  • Trailers (other than boat trailers)
  • Jewelry and furs
  • Firearms (limitation applies to theft only)
  • Silverware and goldware (limitation applies to theft only)

If you have this type of property, you may need special coverage -- either an endorsement or a personal articles policy. Ask us about these items

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

How to get your policy started

  • Information We'll
    Need to get you Started
  • Payment
    Options
  • How much
    Money to Start?

Information We'll Need to Get You Started

Here's a little insight into some of the information you'll need to have ready to get your insurance policy started.

You:

  • Your name, residence address and best contact information such as cell phone, email, etc...
  • Date of Birth

Your Home:

  • We'll need to know the approximate square footage of your home.
  • The year your home was built.
  • We'll also need to know some features of your home such as:
    • Size of garage.
    • Roof material
    • Age of:
      • Roof
      • Wiring
      • Plumbing
      • Heater / AC System
  • Your lender and your loan number (so we can provide proof of insurance to them for you.)

Your Stuff:

  • We'll need a reasonable idea of the value of some of your specific stuff. We'll want to talk about several areas with you to be sure you're adequately covered. Most of this you'll just know and won't have to do any "research". Here's a few examples:
    • Jewelry
    • Stereos
    • Cameras
    • Guns
    • Musical instruments
  • The rest of your stuff -- We'll help you estimate with some Personal Property Calculators we have in the office. We can help you with this over the phone and email as well.

Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Payment Options

We have several convenient payment options to meet your budget and personal preferences.

Annual Payment

Simply pay your annual payment in one payment.

Semi-Annual or Quarterly Payments

Split your annual payment into either 2 or 4 payments per year.

Monthly

Split your annual billing in to twelve convenient monthly payments. (a $3 monthly service charge applies)

Automatic Monthly Payment

Same as the monthly but we'll conveneintly draft the monthly amount from your checking account: Same day, Every month. (a reduced $1 service charge applies)


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

How much money do I need to get started?

For all payment options except the Automatic Monthly Payment Option, you'll need a minimum of 1/4 of your annual premium to get your policy started.

If you choose the Automatic Monthly Payment Option, you'll only need one month (or 1/12 of your 12 month premium) to get started. There's a $2 set up fee added to the monthly plans

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

 

What affects the price of Homeowners Insurance?

The price of Homeowners Insurance varies by company and by:
  • What you buy.
  • How many coverages you buy
  • The deductible
  • Location of your home
  • Proximity of Fire Department and fire hydrant
  • Exposure to brush and wildfire areas
  • Type of roof you have

Homeowners Insurance is designed to help protect you from losses.
Losses are occurrences that caused direct physical damage to property or injury to persons, whether covered by insurance or not.

Check out the brief descriptions of our Renters Insurance coverages on the HOMEOWNERS COVERAGES tab.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979