What Do Diamond Rings, Dog Bites and Hotels Have In Common?


One of the many advantages of using an independent agent is that we understand your risks and can design a California homeowner’s policy that provides the insurance coverage your family needs. There are many different insurance companies and kinds for coverage from which to select. Call our office to make sure you have these things covered:

Unique Things Covered By Homeowner’s insurance

  1. That $5,000 diamond ring. Most homeowner’s polices have limitations on jewelry. If you have jewelry valued over $1,500 you will need to endorse your policy.
  2. Hotel stays after a covered loss. If you have “loss of use” coverage on your homeowner’s policy, it will cover the costs to house your family in a hotel, or other location, while the repairs to your home are being completed. Subject to policy terms.
  3. Dog bites. If you have a dog, your homeowner’s insurance can cover liability arising from your dog biting a third party. Certain breads may be excluded.
  4. Food in your refrigerator. Homeowner’s insurance can also cover all the goodies in your fridge. Say a big storm knocks out the power and everything in your fridge spoils. Well, don’t worry. Your homeowner’s coverage will likely step in to help. Coverage may be subject to your deductible.
  5. Imported oils and other special foods. If a covered loss cause’s damage to expensive imported foods, your homeowner’s policy can provide coverage; as long as you are not running a business out of your home.

Please check with our office regarding these items. All coverage will be subject to your actual policy terms and conditions.

At North Bay Insurance Brokers, Inc., we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.