Click to Call
Alta Vista Insurance Agency

2585 Pio Pico Dr, Suite 100
Carlsbad, CA 92008

Get Directions

What New Homeowners Need to Know About Insurance

Buying a home is an exciting life milestone. To make the most of homeownership, you will need to have proper homeownership in place. At Alta Vista Insurance Agency, we make it our job to provide our clients with solid insurance information so that they can make the best insurance decision. Keep reading to see how we can help you in Vista, CA and the surrounding areas. 

Why Is Home Insurance Important?

If you have a mortgage on your home, your mortgage company will usually require that you have home insurance in place. Even if your mortgage company does not require this, it is always a good idea to have insurance in place. You have made a huge investment in your home. In addition to this, your home provides a huge part of your family’s security. If something happens to your home, you will be held financially responsible for repairs or replacement, and if your home is unlivable you will have nowhere to live. Home insurance removes these risks. 

What Does Home Insurance Cover?

A home insurance policy can be customized to suit your particular needs. However, most home insurance will cover the following general areas.

  • Property damage: If your home is damaged or lost, the insurance will pay for repairs or replacement of your home. This can cover damage from fire, natural disasters and burglary. 
  • Liability- If someone is injured at your home or on your property, you could be held liable for any medical bills or legal fees that resulted from the incident. This type of coverage will protect you from the financial vulnerability that could result from such an event. 

If you would like to learn more about home insurance or any of our other insurance products, please contact us at Alta Vista Insurance Agency, serving Vista, CA and the surrounding areas.