Home Insurance at ISU

Our home is undoubtedly one of our most valuable assets.  It is important for home-owners to protect their home with an excellent home insurance policy. Homeowners and renters have several options available to them, but finding the best fit can sometimes be a task.

The following questions relate to finding your home insurance:
•    What is the right type of coverage for me?
•    How do I know I'm not being taken advantage of?
•    Where can I get the cheapest coverage?

At ISU, we can answer all three questions for you. Call us now at 1-800-823-4852 and speak with a home insurance specialist or begin by examining a few types of home insurance in brief.  

Basic Policy

This is a very simple policy. It protects against occurences like explosion, burglary or theft, fire damage, lightning, smoke, hail, and windstorms.

Broad Form Policy

Covers slightly more than a basic policy.  Occurences such as damage from falling objects, damages to electrical appliances, and damage to plumbing or heating systems caused by water, snow or freezing temperatures.

Special Form Policy

This policy covers a home from many physical misfortunes, with a few exceptions such as earthquakes, floods, and damages from war or nuclear fallout.

Contents Broad Form

This policy is designed for tenants who rent a house or an apartment. Normally Contents Broad is an inexpensive policy for renters. It is useful if someone gets hurt on the property. It also protects against damage or theft of personal property.

Comprehensive Form Policy

Very inclusive policy, as it provides all the protection found in the Special Form Policy plus additional coverage. When and if a home sustains any type of damage that is not specifically mentioned as an exception, the Comprehensive Form will cover it.

Unit Owners Policies

For owners of apartment complexes or condominiums.  The Unit Owners Policies provide personal property coverage and protect against damages from occurences like earthquakes, lightning, hail, storms, and fire.

Market Value Policy

Similar to the Basic Policy because it provides very minimal protection, but it is more suited for older or historical homes that have unique physical parts that may be more expensive to repair or replace than the current estimated market value.

How do I know I'm not being taken advantage of?

You can shop with confidence because at ISU, we make it our business to educate the consumer.  Our agent's have many years of experience helping all kinds of home owners find the best home insurance rates available. We want to make shopping for home insurance easy for our clients, so we go out of our way to help you in any way that we can.

Where can I get the cheapest coverage?

Call now to speak with an ISU insurance agent who can tailor the perfect Home Insurance Policy for you.  1-800-823-4852

Following are some of the areas where we do business:

Home Insurance Roseville, California
Home Insurance Granite Bay, California
Home Insurance Rocklin, California
Home Insurance Loomis, California
Home Insurance Orangevale, California
Home Insurance Penryn, California
Home Insurance Folsom, California

 

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