Protect What You Value
Our customized plans will protect your investment and give you peace of mind.
In the last 20 years, home prices have risen almost 160%, meaning the cost of fixing or replacing your home has skyrocketed. Like many people, your home may be your most significant financial asset. As a homeowner, you need to protect that investment with a solid insurance policy that covers the actual value of your home and its contents.
At The Kaizen Group, we know suffering property loss or damage without insurance coverage is devastating. You need security and flexibility when it comes to policies for your home. That's why we offer homeowners policies customized to cover your unique situation.
Renter's Insurance is a must-have for those who live in apartments or share homes with others. This type of coverage will help protect you from unforeseen circumstances, like fires and vandalism that can happen at any time without warning.
Renter’s Insurance offers financial assistance in the event damage occurs to the property or if you are injured while on the premises. This type of insurance can also help cover the cost of temporary housing if your home is uninhabitable due to damage, as well as medical and legal expenses if necessary. While it is not required by law, renters insurance can provide peace of mind knowing that you are protected in the event of an unforeseen incident.
One of the great things about renters insurance is that it provides financial protection in the event of a covered loss. Whether it's your personal property, temporary living expenses, or personal liability, a policy can help you recover from a potentially devastating setback. And while coverage limits and deductibles will vary, most policies provide a fairly comprehensive level of protection. So if you're renting a home or apartment, be sure to talk to our agents about renter’s insurance - it could be the best decision you ever make.
What Homeowners Insurance Covers
One of our standard homeowners policies will cover the following:
Fire & Hazard
Damage to the exterior and interior of your dwelling-Damage caused by storms, fire, vandalism, etc. Furniture, electronics, clothing, and other personal possessions are also usually covered. Some people take out separate policies for their possessions.
If someone is injured on your property, your homeowners policy will pay to settle the claim against you. If you do not have the right insurance, your neighbor’s simple slip and fall at your birthday party could put you on the hook for thousands of dollars.
If your home is uninhabitable during repairs, a homeowners policy will pay for a hotel room or rental home, saving you considerable expense.
Homeowners Insurance Types
We offer a variety of homeowners policies to fit your unique situation. These policy types include:
Actual Cash Value
These policies pay for loss or damage to your home and possessions after depreciation. For instance, you will get what your gaming system is worth now, not what it was worth when you bought it.
Replacement Cost
This policy type covers the replacement cost of your home and possessions. No depreciation is deducted. You receive enough money (minus the deductible) to buy items at their current price.
These policies offer more protection than the other types because they guarantee to pay the cost of repair or replacement even if they are more than your policy limit — up to 20%–25% more. Buying this coverage helps protect you against inflation.
Additional Homeowners Policies
You may need more than a standard homeowners policy. Our helpful agents can advise you on these additional policy types.
Natural Disasters
A standard policy will not give you all the protection you need if you live in an area prone to flooding, hurricanes, earthquakes, etc. Our skilled agents will help you determine if you need a special policy to cover geographical threats. For instance, if you live on the Atlantic coast, you should consider purchasing windstorm and flooding insurance due to frequent hurricane threats.
Unattached Buildings
If you have stand-alone structures like a detached garage, shed, barn, studio, etc., you will likely need to purchase separate coverage for them. A standard policy covers your attached garage but not a machine shed.
Water Backup/Overflow
Backed-up sewers, failing sump pumps, and overflowing storm drains can wreak havoc on your home. We will help you decide if you need additional coverage to protect you from these possibilities.
Our Policies: Your Choice
Our experienced agents will help you understand your homeowner insurance choices and provide the coverage you need to keep your home and family secure, no matter where you live. Contact us today for more information on our quality insurance options.
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Contact Us
(510) 201-9955 or (833) 554-8114
CALIFORNIA OFFICE
3220 Blume Drive, Suite 100
San Pablo, California 94806
TEXAS OFFICE
3800 Paluxy Drive, Suite 410
Tyler, Texas 75703
We 🧡 serving clients all over the United States.
Our company is not a public accountancy firm and does not provide audit or review services.