Homeowners Insurance
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We understand that the most important financial investments of your lifetime is your home. Our job to make sure your home is adequately insured and protected from a losses that can occur from wind, fire, theft, water and more.
Express Service Insurance is your trusted solution for homeowners insurance in California. We offer insurance options that fit your needs. Our Home Insurance coverage options include:
Why Home Insurance? We hope you never have to deal with a loss to your home, but why take the risk with a property that can cost hundreds of thousands of dollars to millions of dollars to replace. Having insurance will protect your investment and everything in it. Igor Dubrovsky at Express Service Insurance will make sure you have the coverage yuu need. With our industry knowledge and experience with thousands of insurance claims - you should be rest assured that there will not be any gaps in your homeowners insurance policy. It’s important that you talk to us about all of your concerns when discussing potential losses that can occur. Express Service Insurance provides Home Insurance for residents throughout California. Homeowners insurance in San Francisco & San Jose & San Rafael & Daly City & San Bruno & San Mateo & Hillsborough & Oakland & Berkeley & Sausalito & Mill Valley & Tiburon & San Diego & Los Angeles & Lake Tahoe & Napa. Cover your belongings inside and outside of your home Your home is becomes a collection of memories as well as providing you and your family shelter. Your house represents the biggest financial investment that you will make. With the right Property Insurance policy, you can protect your investment and your personal property from any unforeseen losses. Home Insurance policies are very similar. However, Express Service Insurance will tailor your policy to fit your families needs. Property Insurance will insure your home from the following types of covered losses:
Property Insurance Options There are many additional coverage types that are available to insure your home properly. Options such as Personal Property Insurance, Earthquake Insurance, Flood insurance and scheduled property insurance may not fall under a standard Homeowners insurance policy. In the event of an unforeseen accident or theft, Personal Property can pay the actual cash value or replacement cost of personal property like furniture, computers, clothing, electronics, and even bicycles. Since every home is different, dwelling Replacement Costs vary. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home with taking labor, building material, building to current city code, and Ordinance & Law. These are just some of the many things Express Service Insurance will be able to asses the correct replacement cost coverage you need for your home insurance policy. Personal liability coverage in San Francisco CA & San Mateo CA & Daly City CA & San Rafael CA & San Jose CA & Sacramento CA & Lake Tahoe CA & Walnut Creek CA Every homeowners insurance policy comes with Personal Liability insurance coverage. This portion of your homeowners policy will protect you and your household from liability claims that could be filed against you and for physical damage to a person or thing. Liability coverage can cover the following:
You don’t have to be a homeowner to get liability insurance If you are a renter, you may not think you need insurance. Renters Insurance will get you coverage for your personal belonging as well as personal liability protection wherever you go. In case of a fire, theft, or vandalism damages your property, your landlord’s insurance will not likely cover the majority of the losses that you may incur. At Express Service Insurance, we want to make sure your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered peril. There are two methods your insurance policy can pay for covered claims: Actual Cash Value (ACV) or Replacement Cost. ACV will provide coverage for your belongings for the amount in which they are currently worth, Replacement Cost will pay for the expense of replacing the items with a brand new one. One of the under-rated benefits of homeowners insurance or renters insurance is loss of use coverage. This is the cost incurred to live somewhere else while your home is unlivable or if you are displaced during a covered loss. Single Family Home Insurance Single-family home insurance is a type of insurance policy that provides coverage for a single-family home, typically owned and occupied by the policyholder. The coverage provided by a single-family home insurance policy is similar to that of a standard homeowners insurance policy. Here are some of the most common types of coverage included in a single-family home insurance policy:
The cost of single-family home insurance will depend on several factors, including the value of the home, its location, and the level of coverage you choose. However, the average cost of a standard homeowners insurance policy is around $1,200 per year. If you own a single-family home, it's important to obtain home insurance to protect your investment and ensure that you have the coverage you need in the event of an unexpected event. Dwelling Fire Insurance (4 units or less) Dwelling fire insurance is a type of insurance policy that provides coverage for non-owner-occupied properties. It is typically used to insure rental properties or vacation homes, but can also be used to insure properties that are not occupied by the owner, such as vacant homes or homes that are undergoing renovations. Dwelling fire insurance policies typically include coverage for the physical structure of the property, as well as liability protection. Here are some of the most common types of coverage included in a dwelling fire insurance policy:
The cost of dwelling fire insurance will depend on several factors, including the value of the property, its location, and the level of coverage you choose. However, it is typically more expensive than homeowners insurance because the property is not owner-occupied. If you own a rental property or vacation home, it's important to obtain dwelling fire insurance to protect your investment and ensure that you have the coverage you need in the event of an unexpected event. Renters Insurance Renters insurance is a type of insurance policy that provides coverage for tenants who are renting a house or apartment. Renters insurance policies typically include coverage for personal property, liability protection, and additional living expenses. Here are some of the most common types of coverage included in a renters insurance policy:
The cost of renters insurance will depend on several factors, including the value of your personal property, the level of liability protection you choose, and the amount of additional living expense coverage you need. However, renters insurance is typically very affordable, with premiums averaging around $15 to $30 per month. If you are a tenant, it's important to obtain renters insurance to protect your personal belongings and ensure that you have the coverage you need in the event of an unexpected event. Condo Unit Insurance Condo unit insurance is a type of insurance policy that provides coverage for individual condo owners. Condo unit insurance is designed to provide coverage for the unit owner's personal belongings and liability protection, as well as to help cover damage to the condo unit itself. Condo unit insurance typically includes the following types of coverage:
The cost of condo unit insurance will depend on several factors, including the value of your personal property, the level of liability protection you choose, and the amount of building property coverage you need. If you own a condo, it's important to obtain condo unit insurance to protect your investment and ensure that you have the coverage you need in the event of an unexpected event. Scheduled Property Insurance Scheduled property insurance is a type of insurance policy that provides coverage for specific high-value items that may not be fully covered by a standard homeowners or renters insurance policy. It is also known as "personal articles floater" insurance. Examples of items that may be covered by scheduled property insurance include jewelry, fine art, antiques, furs, musical instruments, and collectibles. These items may be worth more than the coverage limit provided by a standard insurance policy, or they may require additional protection due to their unique value and characteristics. Scheduled property insurance policies typically provide "all-risk" coverage, meaning that they cover accidental loss or damage to the insured items, regardless of the cause (unless specifically excluded in the policy). The coverage is usually on an agreed-value basis, which means that the insurance company agrees to pay a specific amount for the item if it is lost or damaged. The cost of scheduled property insurance depends on the value and type of item being insured, as well as the location and other risk factors. To obtain this type of coverage, the insured must provide proof of the item's value, such as an appraisal or receipt. If you own high-value items that may not be fully covered by your standard insurance policy, consider obtaining scheduled property insurance to ensure that your valuable possessions are adequately protected. Mobile Home Insurance Mobile home insurance is a type of insurance policy that provides coverage for owners of mobile or manufactured homes. Mobile homes are typically prefabricated structures that are designed to be moved, and they may be located in a mobile home park or on private land. Mobile home insurance policies typically provide coverage for several different types of risks, including property damage, liability protection, and loss of use or additional living expenses. Here are some of the most common types of coverage included in a mobile home insurance policy:
Landlord Insurance Landlord insurance is a type of insurance policy that provides coverage for landlords who own and rent out properties to tenants. This type of insurance typically includes coverage for property damage, liability protection, and loss of rental income. Here are some common features of landlord insurance:
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