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Type of Insurance

Serving Arizona, California, North Carolina, Texas

As one of the largest investment you may ever make, your home needs appropriate coverage. Hotwire Insurance Services makes sure your home insurance offers the financial protection you and your family deserves.

Because one size does not fit all, it is best to consult with your insurance agent to assess your needs and find the home insurance policy that is right for you. Homeowners insurance is a package policy that covers natural disaster damages to your property and you liability for injuries or damage you or members of your family cause to other people or their property (including your pets.)

Home insurance average $450 per year as low as $350 a year no broker fees.

Never lose sleep over worry. Hotwire Insurance Services ensures your financial protection with cheap homeowners insurance.

Your house, your possessions, your family, your guests and yourself deserve to be covered in case the unexpected happens.

Home insurance covers damage caused by most disasters but there are exceptions. The most significant are damages caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

What is typically covered by homeowners insurance?

  • Repair or replacement in case of fire or natural disaster.
  • Liability protection and medical expenses in case of bodily injury to a guest.
  • Costs incurred to replace or repair due to vandalism, loss or theft of possessions.

Save money and protect your San Diego or Chula Vista home with Hotwire cheap homeoweners insurance.

Things To Consider And Questions To Ask Your Agent

Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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