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Home Insurance, Home Owners Insurance 
Hazard , Fire, Mortgage, Liability, Renters, Replacement Insurance
Sonoma County, San Francisco North Bay, Ca. USA
 

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Home insurance, also commonly called hazard insurance or homeowners insurance, is the type of property insurance

 that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

The cost of homeowners insurance often depends on what it would cost to replace the house and which additional riders—additional items to be insured—are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events.

Typically, claims due to earthquakes, floods, "Acts of God", or war (whose definition typically includes a nuclear explosion from any source) are excluded. Special insurance can be purchased for these possibilities, including flood insurance and earthquake insurance.

The home insurance policy is usually a term contract—a contract that is in effect for a fixed period of time. The payment the insured makes to the insurer is called the premium. The insured must pay the insurer the premium each term. Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a fire station, or if the house is equipped with fire sprinklers and fire alarms. Perpetual insurance, which is a type of home insurance without a fixed term, can also be obtained in certain areas.

 

  Looking for home insurance, Homeowners insurance, California home insurance, hazard insurance, hazard insurance, safety insurance, fire hazard, liability, mortgage, property, renters, building, condo, condominium, earthquake, flood, hail, hurricane, agent, landlord, replacement, windstorm, vacant  ? Please scroll down.

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Alphabetical Listings

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Allstate Insurance Co - Ann-Marie Dale
2324 4th St, Santa Rosa, CA 707 573-1369

Allstate Insurance Co - Debbie Fitzgerald
527E Mendocino Ave., Santa Rosa, CA 707-566-3930

Allstate Insurance Co - Jeffrey L Leasure
88 Windsor River Rd, Windsor, CA 707 836-6836

Allstate Insurance Co - Bill Creveling
620 E Washington St # 100, Petaluma, CA 707 769-0500

Farmers Insurance Group - Jeff Whitman
3555 Westwind Blvd, Santa Rosa, CA 707 524-4500

Farmers Insurance Group - Dave Lindsay
6971 Sebastopol Ave, Sebastopol, CA 707 823-5378

Farmers Insurance Group
Bert C Branch - Robert J Stroud - Alfonso Galvez
2999 Cleveland Ave # C, Santa Rosa, CA 707 575-6850

Farmers Insurance Sonoma
163 Sierra Pl, Sonoma, CA 707 939-8682

Farmers Insurance Group - Frank Lepore
2500 Vallejo St, Santa Rosa, CA 707 528-8050

Farmers Insurance - John Red Milner
5350 Commerce Blvd, Rohnert Park, CA 707 584-9003

Farmers Insurance Group - Bruce Dini
215 Foss Creek Cir, Healdsburg, CA 707 431-4221

Farmers Insurance Group - Thomas D Sawyer
10010 Main St, Penngrove, CA 707 795-2337

SHERZER & Assoc Insurance Inc - Darwin Meiners
540 Mendocino Ave, Santa Rosa, CA 707 573-1010

State Farm Insurance - Shirley Gordon
6400 State Farm Dr, Cotati, CA 707 588-6011

State Farm Insurance - Nancy Koenitzer
800 Lindberg Ln # 120, Petaluma, CA 707 763-1000

State Farm Insurance - Jill Kamahele
725 Broadway, Sonoma, CA 707 938-1680

 
 
 
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