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Sacramento Home Insurance
Did you know the most common homeowner’s insurance claim is water damage? Sacramento’s unique climate of blistering summers and cold winters can place substantial stress on the structural integrity of your home, so having a homeowner’s insurance policy that covers the damage most likely to occur is critical. As a local, Sacramento area homeowners insurance specialist, Schaedler Insurance is familiar with local construction techniques and can help get your home properly insured and protect you from the most common and costly losses in the process. Should the unexpected occur, we’ll be there to make sure you’re taken care of throughout the claims process.
We only offer quality homeowners insurance policies at very affordable rates. Most of our home insurance programs include the following benefits for no additional premium:
Extended Replacement Cost Coverage
Protects your home if, in the event of a severe loss, it costs more to rebuild your home than you have in dwelling coverage on your insurance policy.
Personal Property Replacement Cost Coverage
What happens if a kitchen fire sweeps through your home and destroys your plasma TV and entertainment system? If you have replacement cost coverage, your equipment is replaced with new equipment of like kind. If you have actual cash value coverage (ACV), the insurance company pays for your equipment, less depreciation. (In other words, you don’t want ACV coverage)
Identity Theft
This coverage protects you in the event someone steals your identity and causes you financial harm in the process. As identity fraud is one of the countries fastest growing crimes, this is one coverage you don’t want to live without.
Loss of Use Coverage Up To Two Years
You’ve returned home from a relaxing vacation only to discover your homes suffered from a catastrophic fire and will need to be rebuilt from the ground up. Where will you stay? How will you feed your family? Loss of use coverage covers all costs associated with being displaced from your home in the event of a covered loss. While most policies cover loss of use for one year, if it takes more than one year to demolish the remains of your home, pull building permits, hire contractors and complete construction, you could be out of pocket for a significant amount of money. Loss of use coverage for two years instead of one can be very beneficial in these situations.
Calculating Your Sacramento Home’s Reconstruction Cost
One of the most overlooked factors in most home insurance policies is the reconstruction cost. If the reconstruction cost of your home is overestimated, you may be left paying for coverage you can never benefit from. In contrast, homes that are underestimated can leave a family financially devastated in the event of a severe loss. Our team is well versed in Sacramento area construction techniques and can get your home properly insured the first time around. This way you save money even if you never have a claim.
Homeowners Insurance Rates In Sacramento
The average annual rate for home insurance in the Sacramento area is about $750.00 per year, but this rate can vary up or down substantially based on the particular features of your home. While larger homes with higher reconstruction costs will naturally have relatively higher premiums, newer homes often receive substantial pricing discounts for utilizing fire minimizing construction materials such as tile roofs and stucco siding. Rather surprisingly, the age of a homeowner can also have a substantial impact on home insurance rates, with rates generally decreasing as a homeowner ages.
Sacramento Homeowners Insurance Quote
Getting a homeowner’s insurance quote for your Sacramento area home is simple. Just complete the contact form at the top of this page and a Schaedler Insurance representative will contact you shortly to answer any questions you may have and complete your quote. It’s that easy!
