San Francisco Homeowners Insurance
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Americans have always had the dream of home ownership. Owning a home in San Francisco is a dream shared by many California residents. Owning a home is one of a family's most expensive assets. From the mortgage payments, utilities, maintenance, property taxes and homeowners insurance premiums, home ownership is a lifelong project and commitment.

Doesn't it make sense to properly insure your most valuable asset with some type of homeowners insurance policy? Often, knowing what type of coverage you need is the first step in smart shopping. Possibly, you just need a policy to meet the minimal requirements imposed by your mortgage lender in the event of a catastrophic claim. Perhaps you have a "one-of-a-kind"custom home that needs very specific policy coverage to properly insure your investment.

It's also possible that you have a new home and want to make sure the it will be properly replaced down to the roof nails with similar building materials. Most of our insurance carriers offer "Replacement Coverage" for your home as an alternative to an "Actual Cash Value" policy which accounts for depreciation in the event of a claim.

Your San Francisco homeowners insurance policy price is normally based on the following factors:

Construction Material of the Home-Typically, homes made from bricks and stone pose less of a risk of "total loss" in the event of a catastrophe such as a home fire. Statistically, a home constructed of more than 50% masonry is less prone to a total loss than a similar home made entirely from wood (frame home).

Distance from home to nearest fire department or fire hydrant-It may seem like an obvious reason that a home in a rural area in more likely to burn to the ground than a home in an established neighborhood, but it is more than that. Each city or municipality actually has it's own Fire Record (sometimes known as the "Key Rate"). This is a measure of a municipality's readiness, ability and track record of effectively fighting fires.

Prior Claims History-If you have are prone to having homeowner insurance claims, you will find yourself paying claim surcharges on your home policy. Most carriers do offer "claim free discounts" to reward customers with a good claims history.

Credit History or Insurance "Credit Score" -Relatively new to the insurance industry is the use of credit history for the insureds. Often this is referred to as your "Insurance Score" and is based on your financial responsibility. The insurance companies believe that insureds with lower credit scores (lower "insurance scores") are more likely to have a higher number of claims (frequency) and higher losses on their claims (severity). Each state mandates what credit information can be used in underwriting and pricing policies for consumers.

Shopping for the best rates for San Francisco homeowners insurance policies is easily accomplished when professional San Francisco insurance agents and carriers compete for your business and offer you their best rates. Often times consumers lack the information necessary to get the proper coverage for their needs. Professionally licensed California insurance agents in San Francisco are eager to ask you the proper questions regarding your insurance policy and enhance your shopping experience.

California Homeowners Insurance News:

Short sale tax shortchanges ex-homeowners - San Francisco Chronicle
Short sale tax shortchanges ex-homeownersSan Francisco ChronicleThis Brentwood home went up for a short sale in 2008, the year that California's canceled debt law helping foreclosed homeowners expired. ...and more »

Making Houses Green (And Saving Some, Too) - CBS News
CBS NewsMaking Houses Green (And Saving Some, Too)CBS NewsDan Sharp installs solar panels on the roof of his California home. Homeowners like Sharp are finding that green improvements can save big money while ...and more »

A New Incentive for Solar in California: Tradable Renewable-Energy Credits - Sunpluggers.com
Greentech MediaA New Incentive for Solar in California: Tradable Renewable-Energy CreditsSunpluggers.comCalifornia homeowners and small-business owners who install solar-electric systems may soon start to receive an additional reward that could be worth ...California Agrees to Allow Out-of-State Renewable Energy CreditsSolveClimate (blog)all 30 news articles »

5 states rush plans for $1.5B in housing funds - San Jose Mercury News
5 states rush plans for $1.5B in housing fundsSan Jose Mercury NewsIt will have to start from scratch with plans on how to help unemployed homeowners, for instance, and how to get the money from the federal government to ...and more »

Foreclosures in Coachella Valley slowing down - The Desert Sun
Los Angeles TimesForeclosures in Coachella Valley slowing downThe Desert SunOne in every 195 California homeowners was handed a foreclosure filing of some kind in the month — from a notice of default to the taking and sale of a ...Feb. foreclosure filings at year-over-year lowPhiladelphia InquirerForeclosure rates up by smallest amount in 4 yearsThe Associated PressForeclosure Notices Double in Louisiana in Feb.New York TimesNew York Daily News -Financial Times -Washington Postall 773 news articles »