Protect Your Home and Everything Inside
Tailored homeowners insurance solutions for Visalia, Fresno, and the Central Valley. Safeguard your home, belongings, and peace of mind.
What is Homeowners Insurance?
Homeowners insurance protects your home and personal belongings against unexpected events like fire, theft, and natural disasters. At Modern Edge Insurance Brokers, we work with top carriers to provide customizable coverage that meets your unique needs. Whether you’re a first-time homeowner in Visalia or upgrading in Fresno, we’re here to help you protect your biggest investment.
Key Features of Our Homeowners Insurance Policies
Dwelling Coverage: Protects the structure of your home from covered perils like fire, wind, and hail.
Personal Property Coverage: Covers your belongings, such as furniture and electronics, against damage or theft.
Liability Protection: Provides coverage if someone is injured on your property or if you accidentally cause damage to another person’s property.
Additional Living Expenses (ALE): Covers temporary housing costs if your home becomes uninhabitable due to a covered event.
Optional Add-Ons: Customize your policy with add-ons like flood insurance, earthquake coverage, or high-value item protection.
Frequently Asked Questions
Is homeowners insurance required in California?
While not legally required, most mortgage lenders require homeowners insurance to secure a loan.
What does a standard homeowners policy cover?
A typical policy covers your home, personal belongings, liability protection, and additional living expenses.
Can I bundle homeowners insurance with auto insurance?
Yes, bundling can save you money and simplify your coverage.
Does homeowners insurance cover natural disasters?
Standard policies typically cover events like fire and wind damage but may exclude earthquakes or floods. These can be added separately.
How do I get a personalized homeowners insurance quote?
Contact us today to explore your options and find the perfect policy for your needs.
