Homeowners Insurance

With homeowners insurance in California, damaged property can be repaired, or even replaced, at no cost at all! The insurance provider can likewise shoulder the replacement of your lost personal property up to the replacement cost coverage provided in your policy.

Insurance for California homeowners can include different types of coverage under one policy based on your requirements and preference. Breathe Easy Insurance will work on finding you the best insurance provider that meets your needs.

We Make It Easy to Find the Best Insurance Suitable for You

When you take out an insurance policy against your residence, the insurance provider will give you a list of perils that can be covered by your policy. And the premium that you will have to pay regularly will depend on the number of perils that you want your insurance provider to recognize as legitimate causes of damage.


Get A Homeowners Insurance Quote

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If you also want to insure valuable items inside your home, as well as additional structures on your property such as storage sheds, boathouses, or pools, your premium could increase. It is details like these that make it difficult for most homeowners to decide on the right policy for them. With Breathe Easy Insurance, we can get you the best homeowners insurance policy and explain all the details to you until all your questions have been satisfied.

What Are Perils?

Perils are the risks that your home may be exposed to. These could include lightning, hail, windstorm, fire, smoke, theft, vandalism, damages from automobile or trucking accidents, and civil commotion.

Perils that you wish to be covered and are acceptable to the insurance provider should be clearly enumerated in your policy. You can refer to the list should any untoward incident cause damage to your home.

In the event that you are unable to use your home while it is being repaired or replaced due to damages incurred from any of the perils stated in your policy, you may also receive remuneration for the loss of use of your home.

Give us a call at your convenience to let us know what you wish to be covered by your policy. This will allow us to come up with the best homeowners insurance policy tailored to your needs.

If you wish to get a comprehensive insurance policy, you may want to include medical expenses per person for injuries incurred on your property and liability exposures.

We can also help you get a good yet cheap homeowners insurance policy to protect your property, yourself, and your loved ones.

Additionally, Breathe Easy Insurance can assist you in getting renters' insurance to protect your property as well as your personal belongings such as computers, furniture, and jewelry. This type of insurance also covers unauthorized use of your credit cards.

You may bundle renters' insurance with auto insurance. Ask us about it today!.

Please feel free to contact us for any questions regarding homeowners insurance in California.


If you own your home, Breathe Easy offers several types of homeowners insurance policies that might fit your needs

We give you the option to choose the homeowners insurance coverage you want and help you tailor your insurance package to give you maximum protection for your insurance dollar.

Homeowners insurance is designed to bring your home and possessions back to the same condition they were in before a loss occurred. There are several different types of homeowners insurance policies offered by a wide variety of insurance companies. As a result, not all coverages are the same. Review all your options and coverages so that you can make an informed decision.

Breathe Easy homeowners insurance policies include the following protections:

  • Dwelling coverage up to the limits you choose to purchase and defined by our Replacement Cost calculations.*
  • Coverage for your personal property up to the limits you choose to purchase. (Be sure to ask about Replacement Cost coverage for your personal property.)
  • Coverage for structures in addition to your primary dwelling, such as storage sheds, boathouses, and pools.
  • Coverage for loss of use, reimbursing you for expenses for loss of use of your home caused by named perils.
  • Medical expenses per person if someone is injured on your property.
  • Liability exposures, protecting you against certain risks per accident for bodily injury or property damage.
  • Higher limits of liability and medical expense coverages, available for a small charge.

Take a few minutes to get a free, no obligation quote from Breathe Easy, and see just how affordable our rates can be.

In addition to Homeowners Insurance, we also have great rates for:

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