This is what you need to know about your California home insurance policy before signing on the dotted line

You are going to have a difficult time finding anyone that gets excited about paying for their California home insurance each and every single month.

For many, this is an absolutely unnecessary expense that they might never be able to leverage – even if they actually file a California home insurance claim – and a lot of people consider this a single step above simply lighting your cash on fire each and every month and watching it burn.

At the same time, the last that you want to do is expose your most significant financial investment to any real risk or danger without protecting it with a quality California home insurance policy – which is why you’ll need to know a handful of details about your policy before you sign on the dotted line.

Here are some of those details.

What does your California home insurance policy from actually cover?

The very first question that you need to answer when shopping for home insurance in California is in regards to the coverage that you’re actually getting out of this particular plan.

It isn’t at all uncommon for California home insurance representatives to promise the moon and the stars when it comes to coverage only to change things at the last moment (completely legal, by the way), hoping that you’ll sign on the dotted line without verifying your contract in advance – thereby locking you into a deal that you might not have otherwise taken.

Always verify that you’re getting the exact amount of coverage that you were looking for in the first place before signing absolutely anything.

What isn’t covered by your California home insurance policy?

Another important question that you’ll want to ask has everything to do with what ISN’T covered by your California home insurance policy.

Sure, it’s nice to know all about what your insurance policy does cover, but you’re also going to want to know what isn’t covered so that you can either expect and plan for the worst to happen – while hoping that it never does – or get out there and purchase “gap insurance” or “umbrella coverage” that protects those goals.

At the end of the day, you’ll have to know exactly what you’re getting into before you agree to anything – and you’ll also have to verify those details before you sign any California home insurance agreement.