Homeowners Insurance San Diego, California

Homeowners Insurance in San Diego, CaliforniaHomes are a symbol of a person or family’s achievement, and they represent so much to their owners. CIG West Coast Insurance Center understands. Our San Diego Homeowners insurance is designed to protect California residents financially from damage or destruction of your home, loss of possessions or loss of income due to lawsuits.  When looking for California home insurance look no further than CIG West Coast Insurance Center. Contact Daryl at CIG and find out why so many homeowners in California are covered by CIG Homeowner’s Insurance..

Stop by today and see how much we can save you on your homeowners insurance San Diego, CA. Our office is located at:

CIG West Coast Insurance Center
5694 Mission Center Rd. Ste. 602 (#186)
San Diego CA 92108

Or give us a call at: 619-326-8383

The Most Protection Delivered with your Home Insurance.

Yes, you live in a home where you and yours feel safe and secure. It’s important for your peace of mind to know that your investment in your home is truly protected from unexpected losses or damages due to theft, fire, water, electrical causes, natural disasters or accidents. The cost of construction rises at even a faster pace after a disaster. Sometimes when a home is totally destroyed in a fire or natural disaster. The insurance payout may not be enough to rebuild.

CIG West Coast Insurance Center pays up to twice the amount of your dwelling coverage, in order to make sure you can re-build in the event your home is destroyed in a disaster covered by your home insurance policy. CIG West Coast Insurance Center is one of only a few insurers to offer this valuable coverage in San Diego and throughout all of California or anywhere else. Just compare that with your own home insurance policy or your neighbor's.

Your Options with CIG West Coast Insurance Center

A standard CIG Homeowners Policy in San Diego, CA (HO3) is set up to protect your investment in the structure and property, the value of your personal belongings, and it also provides your houme with a basic personal liability insurance (which will help protect you if there is an accident in or away from the home).

CIG West Coast Insurance Center's Home Insurance in San Diego, California includes these features:

  • A standard CIG Homeowners Insurance policy (HO3) (explained above)
  • Protection against any personal injury claims that may be made against you due to an injury that happens on your premises
  • A 5% renewal reduction on your premium after three years, and a 10% premium reduction discount after six years
  • Protection from claims that may hold you responsible for damage to other people's property
  • Medical expenses for injuries that happen to your guest no matter who is at fault.
  • Up to $1 million in personal liability protection
  • the poption to add additional coverage.
  • Human damage caused by theft, break-ins, vandalism and riots
  • Natural disasters like fire, heat, explosion, smoke and wildfires, wind, snow, hail ice storms and freezing weather
  • Falling objects, water overflows, electrical, gas, plumbing, equipment failures
  • Loss of contents, valuables . . . and more.

CIG West Coast Insurance Center's Secure choice coverage

In addition to all of the benefits of the standard CIG Homeowner's Insurance Policy, we also offer CIG SecureChoice coverage (HO5). This extra coverage is available to California and Nevada residents, CIG SecureChoice Coverage includes higher allowances for:

  • Lost, misplaced or stolen valuables (such as jewelry, watches, furs, precious and semi-precious stones with)
  • $10,000 total, with $5,000 per item
  • Lost, misplaced or stolen firearms
  • Lost, misplaced or stolen tableware (silverware, pewterware, etc.)
  • Worldwide coverage for personal property while you travel
  • Water damage due to sewer backup or sump overflow
  • Lock and key replacement
  • Business property on and off premises
  • Land restoration
  • Credit card theft, forgery and other financial losses
  • Lost money: cash, securities, and other funds
  • Ordinance or law protection
  • Fire Department service charges and arson reward
  • Watercraft and watercraft accessories; inland marine; trailers

SecureChoice also allows you to add optional coverages including:

  • Home appliance and equipment breakdown protection
  • Replacement of scheduled valuables
  • Additional dwelling replacement coverage
  • Additional ordinance protection coverage

CIG Protects More than just Your Home, We Take Care of You

  • CIG West Coast Insurance Center provides the most robust identity protection program for homewoners in San Diego, California, all at no additional cost to you! It includes expense reimbursement, unlimited identity restoration services, identity monitoring and identity theft prevention software.
  • Your CIG Homeowner’s Insurance policy includes a zero deductible for ID Fraud Expense Reimbursement coverage at no additional premium charge. We will pay you up to $15,000 per case for certain expenses you incur, including up to $2,000 in lost wages ($500 per week), reasonable attorney fees, resolution proceedings and recovery expenses in the event that your identity is compromised at home, at work or while traveling.

You may be victimized by identity theft and need help to reclaim your identity and restore your credit standing. Or you might just be interested in getting information on how to best reduce your identity fraud exposure. At CIG West we can help with all of these things to help give you the peace of mind you need and deserve.

CIG West Coast Insurance Center's Home Appliance and Electronic Breakdown Coverage

The Home Appliance and Electronic Breakdown (HAEB) endorsement is available for home insurance policies new and renewing in California and Nevada. This broadening endorsement protects your property up to $50,000 in the event of mechanical or electrical breakdown. CIG's Home Appliance and Electronic Breakdown endorsement is available for an annual nominal fee of $27.00 per policy. There is no service charge involved but it does come with a $500.00 deductible per occurrence. HAEB includes the following protection:

  • $50,000 limit of liability for the repair or replacement of covered property
  • $3,000 for expediting expenses
  • $3,000 for spoilage of perishable goods in the event a refrigerator or freezer breaks down
  • $3,000 pollution clean up

Examples of items covered include:

  • boilers, heat pumps, and furnaces
  • A/C units
  • Water heaters
  • Pools/spa
  • Built-in appliances
  • Submersible pumps
  • Computer systems
  • Telephone systems
  • Plasma and all television types
  • Refrigerators or convection ovens
  • Washers/Dryers

Basic exclusions to CIG West Coast Insurance Center's Home Appliance and Electronic Breakdown coverage include:

  • Items excluded in the homeowner's policy
  • Wear and tear of property occurring over time as the result of regular use
  • Deterioration, erosion, and corrosion of property over time as a natural and expected part of property weathering
  • Situations that necessitate maintenance and not insurance-related replacement or restoration of damaged property

Getting Started with CIG Homeowner’s Insurance

Prepare yourself with information that will help in designing your San Diego home insurance policy. Start with the big picture first. Think about everything you own and how its value changes over time. You’ll want to look at your holdings, including the value of your home, its contents and financial assets.