Security and Protection through your California Homeowners Insurance policy

you should look out for on your policy.

Replacement Cost Coverage which pays for the cost to repair or replace your house and other buildings on your property without any deduction for depreciation up to the amount of coverage purchased. Replacement Cost Coverage allows for the use of building materials of like kind and quality to the original. For example, if you had to rebuild your home after a major fire loss, including the replacement of custom kitchen cabinetry, your policy would provide for this additional cost and the cost of many other special home features, but will not pay more than the coverage limit.

Extended Limits gives you a little extra protection. If the amount of insurance you purchase is say 0,000 and you choose Extended Limits coverage, your policy will pay to repair or replace the house with like kind and quality building materials up to 0,000 or 25 percent more than the purchase amount.

Coverage A Plus is the most comprehensive Replacement Cost protection of all, Coverage A Plus pays for the repair of your house with like kind and quality building materials as needed without being subject to a set limit. If at any time you feel your coverage amount needs to be adjusted, please contact your California