Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.
Your Trusted Solution For Homeowners Insurance.
We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.
Your Trusted Solution For Homeowners Insurance.
We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy.
Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.
That’s why it’s important to talk to an insurance specialist at General Insurance Services about specific coverage options that are applicable to your individual needs.
While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy.
Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.
That’s why it’s important to talk to an insurance specialist at General Insurance Services about specific coverage options that are applicable to your individual needs.
We Offer the Following Options for your Homeowners Insurance :
Easily Navigate Through Our Coverages Below
Personal Property Replacement
Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.
Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.
Dwelling Replacement Coverage
Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.
Your Home Is Your Sanctuary
It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.
Every Home Insurance policy is different, and at General Insurance Services, we’ll work with you to make sure that your policy fits the needs of yourself and your family.
Property Insurance may insure your home from the following types of damage:
Additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with General Insurance Services before making a decision.
Personal Property Replacement
Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.
Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.
Dwelling Replacement Coverage
Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.
Your Home Is Your Sanctuary
It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.
Every Home Insurance policy is different, and at General Insurance Services, we’ll work with you to make sure that your policy fits the needs of yourself and your family.
Property Insurance may insure your home from the following types of damage:
Additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with General Insurance Services before making a decision.
As the owner of an In-Home Business, chances are your operations extend beyond the walls of your home. Home-based businesses, both big and small, have become one of the fastest growing commercial segments in America.
You’ve Invested Hard Work and Countless Hours Into Building Your Business
General Insurance Services wants to ensure that your operations continue to grow. With the right insurance policy for your business, you can provide the special protection you need in one comprehensive policy.
An In-Home Business policy from General Insurance Services can cover:
Depending on your business needs and living situation, you may also qualify for additional services to round out your In-Home Business Insurance, including combined coverage with your Homeowners policy.
Talk to a representative at General Insurance Services today to create the perfect plan to address all of your business needs.
As the owner of an In-Home Business, chances are your operations extend beyond the walls of your home. Home-based businesses, both big and small, have become one of the fastest growing commercial segments in America.
You’ve Invested Hard Work and Countless Hours Into Building Your Business
General Insurance Services wants to ensure that your operations continue to grow. With the right insurance policy for your business, you can provide the special protection you need in one comprehensive policy.
An In-Home Business policy from General Insurance Services can cover:
Depending on your business needs and living situation, you may also qualify for additional services to round out your In-Home Business Insurance, including combined coverage with your Homeowners policy.
Talk to a representative at General Insurance Services today to create the perfect plan to address all of your business needs.
With a Landlords Insurance policy from General Insurance Services, you’ll receive a complete degree of protection to keep yourself and your rental property insured.
The proper Landlord policy can provide options from Personal Property and Liability to Medical Payments to Others and Dwelling to accommodate the special risks that you as a property owner may face.
Landlords Insurance can also cover:
Because of the variety of options available, an insurance specialist at General Insurance Services is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget.
With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence of knowing your investment is secure.
With a Landlords Insurance policy from General Insurance Services, you’ll receive a complete degree of protection to keep yourself and your rental property insured.
The proper Landlord policy can provide options from Personal Property and Liability to Medical Payments to Others and Dwelling to accommodate the special risks that you as a property owner may face.
Landlords Insurance can also cover:
Because of the variety of options available, an insurance specialist at General Insurance Services is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget.
With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence of knowing your investment is secure.
What You Get
With Condo Insurance from General Insurance Services, you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage.
And unlike Renters Insurance, Condo Owners Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.
Additional Features
A Condominium Insurance policy includes other great features like guest medical protection, which pays for the medical expenses of friends and visitors who are injured on your property. In the event a fire or other disaster puts your condo out of commission, additional living expenses coverage may reimburse you for cost of temporary housing while your unit is being fixed.
Contact a specialist at General Insurance Services today to determine the right amount of coverage you need to keep your condo insured.
What You Get
With Condo Insurance from General Insurance Services, you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage.
And unlike Renters Insurance, Condo Owners Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.
Additional Features
A Condominium Insurance policy includes other great features like guest medical protection, which pays for the medical expenses of friends and visitors who are injured on your property. In the event a fire or other disaster puts your condo out of commission, additional living expenses coverage may reimburse you for cost of temporary housing while your unit is being fixed.
Contact a specialist at General Insurance Services today to determine the right amount of coverage you need to keep your condo insured.
The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions.
Scheduled Personal Property (SPP) Insurance enhances your current Homeowners or Renters policy to include items of exceptional value such as:
If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.
Should you decide to add the premium protection of SPP Insurance, one of the specialists at General Insurance Services will work with you to determine the replacement cost of each item you would want to have insured.
The items you own are unique, which is why at General Insurance Services, we can create a policy that fits your specific needs in order to ensure the security of your most personal belongings.
The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions.
Scheduled Personal Property (SPP) Insurance enhances your current Homeowners or Renters policy to include items of exceptional value such as:
If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.
Should you decide to add the premium protection of SPP Insurance, one of the specialists at General Insurance Services will work with you to determine the replacement cost of each item you would want to have insured.
The items you own are unique, which is why at General Insurance Services, we can create a policy that fits your specific needs in order to ensure the security of your most personal belongings.
What You Get
At General Insurance Services, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it.
Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.
Coverage Methods
Depending on your policy, your insurance will pay to replace items using one of two methods:
With ACV coverage, your belongings are insured only for the amount in which they are currently worth.
While Replacement Cost will pay for the expense of replacing the items with brand new ones.
Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property,
your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.
In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.
Representatives from General Insurance Services are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.
What You Get
At General Insurance Services, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it.
Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.
Coverage Methods
Depending on your policy, your insurance will pay to replace items using one of two methods:
With ACV coverage, your belongings are insured only for the amount in which they are currently worth.
While Replacement Cost will pay for the expense of replacing the items with brand new ones.
Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property,
your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.
In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.
Representatives from General Insurance Services are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.
Coverage Features
Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:
We know how special your mobile or manufactured home is to you, and we’re proud to offer to an exceptional insurance policy that’s designed to meet your budget.
You may also qualify for extra savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.
Talk with an insurance specialist at General Insurance Services to learn how you can save with Mobile Home Insurance
Coverage Features
Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:
We know how special your mobile or manufactured home is to you, and we’re proud to offer to an exceptional insurance policy that’s designed to meet your budget.
You may also qualify for extra savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.
Talk with an insurance specialist at General Insurance Services to learn how you can save with Mobile Home Insurance
Safety & Security
With a Homeowners Liability policy from General Insurance Services, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued.
This policy works to protect you in a variety of situations, including:
Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances.
Talk with a representative from General Insurance Services to determine the right amount of coverage to keep you protected today.
Safety & Security
With a Homeowners Liability policy from General Insurance Services, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued.
This policy works to protect you in a variety of situations, including:
Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances.
Talk with a representative from General Insurance Services to determine the right amount of coverage to keep you protected today.
A Home Symbolizes Family, Comfort, & Security.
It serves as a reflection of the individuals residing within its confines - from the exterior framework to the interior atmosphere. However, a home also symbolizes an investment. For homeowners in San Clemente and the surrounding communities, this investment may exceed the value insured under a standard homeowners policy.
As an independent agency, we have the ability to truly put clients first and we have strong relationships with a collection of established carriers and underwriters. After consulting with clients, we turn to our trusted providers for the best policy forms and price. Often, our clients are able to bundle their coverage for additional savings.
Homeowners insurance tailored for high net worth clientele contains all the coverage offered under a traditional homeowners policy. However, the difference resides within the supplementary security supplied.
A high value homeowners policy can ensure your home is rebuilt to its previous state or uncapped value – if extensive damaged occurs.
Personal Belongings
A traditional homeowners policy caps coverage for a variety of items, including jewelry, furs, and fine arts. This isn’t sufficient if the value of your belongings exceeds the coverage limits. Agents may recommend purchasing additional endorsements for these high-value items; however, through high value homeowners insurance, you can secure all items without the inefficiency of endorsements.
For more information on the insurance products and services we provide, please contact us at your convenience.
At General Insurance Services, we are dedicated to serving our clients however we can. Each high-value home we insure is distinct, as are the clients who own them. We work one-on-one with these individuals to confirm their expectations are exceeded. Service continues long after the policy purchasing process and we make a point to be available for our clients at all times. Don’t let your wealth of assets remain unprotected from risk. If you’re ready to begin building an appropriate homeowners policy, request a quote.
Representatives from General Insurance Services are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.
A Home Symbolizes Family, Comfort, & Security.
It serves as a reflection of the individuals residing within its confines - from the exterior framework to the interior atmosphere. However, a home also symbolizes an investment. For homeowners in San Clemente and the surrounding communities, this investment may exceed the value insured under a standard homeowners policy.
As an independent agency, we have the ability to truly put clients first and we have strong relationships with a collection of established carriers and underwriters. After consulting with clients, we turn to our trusted providers for the best policy forms and price. Often, our clients are able to bundle their coverage for additional savings.
Homeowners insurance tailored for high net worth clientele contains all the coverage offered under a traditional homeowners policy. However, the difference resides within the supplementary security supplied.
A high value homeowners policy can ensure your home is rebuilt to its previous state or uncapped value – if extensive damaged occurs.
Personal Belongings
A traditional homeowners policy caps coverage for a variety of items, including jewelry, furs, and fine arts. This isn’t sufficient if the value of your belongings exceeds the coverage limits. Agents may recommend purchasing additional endorsements for these high-value items; however, through high value homeowners insurance, you can secure all items without the inefficiency of endorsements.
For more information on the insurance products and services we provide, please contact us at your convenience.
At General Insurance Services, we are dedicated to serving our clients however we can. Each high-value home we insure is distinct, as are the clients who own them. We work one-on-one with these individuals to confirm their expectations are exceeded. Service continues long after the policy purchasing process and we make a point to be available for our clients at all times. Don’t let your wealth of assets remain unprotected from risk. If you’re ready to begin building an appropriate homeowners policy, request a quote.
Representatives from General Insurance Services are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.
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