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Homeowners

Homeowners insurance is a package policy and provides financial protection against disasters. A basic (or standard) policy insures the home itself and the things you keep in it. This means that it covers both damage to your property and your liability (or legal responsibility) for any injuries or property damage you or members of your family cause to other people. This also includes damage caused by your pets.

Disasters are covered, but there are exceptions:
  • Floods
  • Earthquakes
  • Poor maintenance
You must buy separate policies for both flood and for earthquake coverage. Maintenance related issues are the homeowner's responsibility.


You may be wondering... "How much homeowners insurance do I need?"

That is a great question and one that is often overlooked. The simple answer is, you need enough insurance to cover the following:
  • The structure of your home - you need enough to cover the cost of rebuilding your home at current construction costs (don't include the cost of the land and don't estimate based on the price you paid for your home). For a quick estimate of the amount of insurance you need, multiply the total square footage of your home by local building costs per square foot.
  • The contents of your home - (personal belongings)
  • The cost of additional living expenses - (if your home is damaged in such a way that you have to live somewhere else during repairs)
  • Your liability to others


 

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Backed by Resources and Capabilities of ISU national network of insurance agencies, with 190 offices coast to coast.

Broker Licence #0I67833

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ISU Insurance Services - Kulchin Ross Agency, LLC. is a local, privately owned, independent insurance firm capable of handling all of your insurance needs.

Contact Us

Kulchin Ross Insurance Services, LLC.
18757 Burbank Blvd, #320
Tarzana, CA 91356

Telephone: (818) 996-0900
Fax: (818) 279-6999

Email: info@kulchinross.com

Hours Of Operation:
Mon-Thurs 8:30am-5:00pm
Fri - 8:30am-4:00pm

Serving business, families and individuals for more than 30 years.



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