If you own your own home, you know what a big expense it is. For most people, it’s their very largest investment. This investment needs to be protected, and you can do that by having home insurance. With a home insurance policy, you can give your home the protection it needs if the worst should happen. When you need a home policy, call us at Lucas Insurance Services Inc in Santa Clarita, CA.

You Need Home Protection

One of the most important types of coverage that you get from home insurance is coverage for the home itself. The home is expensive, and if it gets damaged, that will be expensive as well. With home insurance coverage, you can get the repairs paid for when a damaging event happens to your house. With the high cost of home repairs, it’s important to have this coverage in place to pay for it all. If your house is destroyed in a calamity or covered disaster, the policy can pay for it to be rebuilt. 

Item Protection Is Important

The items inside your home all add up to a lot of value, and it would be extremely expensive to replace it all. That’s why home insurance protects your personal items as well as your home. When you have this coverage and a covered event happens that destroys your possessions, it pays for you to get new ones. This coverage can help you to replace your items quickly when something serious happens to your home and belongings. When you have this coverage, you are well protected against a number of incidents that can happen to your belongings. 

Get Coverage For Your Home

If you own a home and it isn’t covered by home insurance, call us at Lucas Insurance Services Inc in Santa Clarita, CA.

Homeowners in Santa Clarita, CA can turn to Lucas Insurance Services Inc for their home insurance needs. As an independent agency, we can provide the most choices since we work with a variety of top carriers. It allows us to find the perfect home insurance for you and your home and get you the best price. 

Creating a home inventory

A home inventory is a listing of all the possessions in your home and other buildings on your property. If a covered hazard hits you, you will need to provide information about what you had before the event when you file a claim. When your home no longer exists or is heavily damaged, it is hard to picture what was previously in each room. It makes good sense to create an inventory while you can see what you have. 

You can do it digitally or with a pad and pen, but whichever method you choose, having pictures of every room in your home is a must. Take the time to list the items individually, giving as much detail as possible. List the brand, the style, model numbers, and serial numbers if appropriate. If you have sales slips or receipts, attach them to the list, and if you have pricier items, get an appraisal and make sure you have adequate coverage. 

Do all the rooms, closets, open doors, and drawers; go to the basement, the attic, and the garage or shed. Once you are finished, you need to find a safe way to store the inventory. Placing a copy in the cloud is one secure option. It is safest to have it away from your home and in a water and fireproof container. 

Give us a call

Contact Lucas Insurance Services Inc in Santa Clarita, CA, when you require home insurance or if you have questions. We are happy to be of service.