1. Business Insurance San Diego: Tips on How to Shop for San
Diego Home Insurance
American Renters Insurance Tips
The market is filled with so many insurance companies offering different kinds of coverage
like health insurance, disability insurance, and many more. One of the most in demand
insurance policies being sold today is home insurance. It is very popular among homeowners
or condo unit owners because it offers protection and security from unwanted events like
home invasion, vandalism, fire, and natural disasters.
As stated, the market is flooded with insurance providers selling different kinds of home
insurance. For this reason, it is only logical to approach this with caution to avoid insurance
dilemmas. Below are features that will help you decide what insurance to purchase later on.
Types of Perils
We purchase home insurance to protect our homes from known “perils.” Therefore, you need
to ask the insurer what perils or unwanted circumstances are covered in their policies. Most
insurers sell coverage that covers common perils like theft, robbery, trespassing, vandalism,
damaged by plane or vehicle, riot, and fire. For natural disasters such as earthquake, flood,
lightning, and tornado, some insurers leave these out of the coverage. It is because these
perils are considered as “Acts of God.” But some companies can make an exception and
include these natural disasters in the policy but for a much higher monthly premium.
www.eisinsurance.com
Coverage
Coverage is another feature that you should look out when shopping for home insurance.
Some insurers provide a complete home insurance, meaning everything in the property is
insured. Meanwhile, there are insurance firms that separate properties, other structures, and
personal contents. Therefore, when purchasing home insurance, make sure that you include
the objects that you want to be protected. If you have valuable items at home like jewelry,
antiques, or firearms, you can include these contents in the coverage.
Replacement Cost, Repair Cost, and Actual Cash Value
Replacement cost is when the insurer agrees to replace the damaged object without
considering current value or depreciation. Consequently, an insurer will also replace the
damaged item using actual cash value. In this option, the insurer will deduct depreciation
before paying the amount. Repair cost on the other hand is when the insurer agrees to
replace the damaged object using conventional means. It will use the same methods and
materials to replace the damaged item.
Conclusion
When opting for home insurance, make sure that you get the coverage you need. It is a good
idea to discuss this matter to the insurer to avoid any confusion and usual pitfalls to

2. insurance claims. Futhermore, discuss the monthly premium and other related fees as well
as the amount that you can claim from them.