HOMEOWNERS INSURANCE
FOR ALL CALIFORNIA
HOMES - CONDOS - APARTMENTS

• Live in California?

• Need high quality homeowners insurance?

• Want low homeowner insurance rates, and demand personal friendly prompt service?

    We believe quality homeowners insurance should:

1. Be reasonably priced

2. Written by honest insurance companies who pay claims fairly and promptly

3. Properly cover your needs as a homeowner

    

We are an  independent, full service, insurance agency working hard to provide low rates and great service to all California home owners. As an “independent” agency we work with hundreds of insurance companies to find the very best coverage and insurance rates for your California home, condo, or apartment.
 

We sell homeowner insurance to all of California.  We live, work, play, and raise families here in California and we only provide insurance here in California.  We believe this helps us better understand your California insurance needs.

 

No Hassle - Home Insurance Quotes

Here are the ways to get a free quote from us:

1. Call us at (800) 808-2695 and get an instant quote over the phone from one of our friendly representatives.  We always prefer to take our time to talk to you personally.  This is our responsibility to you, and if we are going to be your agent, we should do the work.  So call us now and let's get started.... or

2. Instant quoting and buying online – Purchase insurance from one of our top rated Homeowners insurance companies online. This takes just a few moments to complete and you can purchase your needed insurance instantly and securely on-line.
    

 

We represent many of the top-rated insurance companies licensed in California.  We will help you find great homeowners insurance coverage for your homes, apartments, condos, townhouses, or cooperatives.
 

Our Pledge to you
"We are committed to providing you with SUPERIOR service and protection at affordable rates.
We make YOU our priority."

Call between 9AM and 6PM  

• Always speak with a live human being

• Free fast friendly quotes

• Hundreds of insurance companies

• For all California homes, condos, renters, & apartments
  

 

How to contact us

	Toll Free (800)-808-2695
	Electronic mail for  Sales - Service sales-service@allaccess-insurance.com

 
 
 

 

More information about Home Owners Insurance

California homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage 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.

 

Different types of Policies

A person who owns his or her home would have a different policy from someone who rents. Policies also differ on the amount of insurance coverage provided.

The different types of homeowners policies are fairly standard throughout the country. However, individual states and companies may offer policies that are slightly different or go by other names such as “standard” or “deluxe”.

 

Do you need home owners insurance?

Unlike driving a car, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners insurance coverage. That’s because lenders need to protect their investment in your home in case your house burns down or is badly damaged by a storm, tornado or other disaster. If you live in an area likely to flood, the bank will also require you to purchase flood insurance. Some financial institutions may also require earthquake coverage if you live in a region vulnerable to earthquakes. If you buy a co-op or condominium, your board will probably require you to buy homeowners insurance.

After your mortgage is paid off, no one will force you to buy homeowners insurance. But it doesn’t make sense to cancel your policy and risk losing what you’ve invested in your home.
 

 

Low Insurance rates, and great service for California homes, condos, renters, apartments, co-ops.