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  • Home
  • Products
    • Business >
      • Auto Service & Repair Insurance
      • Business Life Insurance
      • Business Owners Package (BOP) Insurance
      • Builders Risk Insurance
      • Commercial Auto & Fleet Insurance
      • Commercial Earthquake Insurance
      • Commercial Umbrella Insurance
      • Contractors Insurance
      • Cyber Liability Insurance
      • Employment Practices Liability Insurance
      • Directors And Officers Insurance
      • General Liability Insurance
      • Habitational Insurance
      • Group Benefits
      • Inland Marine Insurance
      • Insurance Bonds
      • Institutional insurance
      • Manufacturing Insurance
      • Professional Liability Insurance
      • Real Estate Insurance
      • Representation and Warranties Insurance
      • Restaurant Insurance
      • Retail Insurance
      • Surety and Fidelity Bond
      • Wholesale Distribution
      • Workers Compensation
    • Personal >
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Custom RV Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
        • Trailer Insurance – Travel, 5th Wheel & Utility
      • Property >
        • Home Insurance
        • California FAIR Plan
        • Condo/Townhome (HO6) Insurance
        • Difference in Conditions (DIC)
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Mobile Home Insurance >
          • Mobile Home Insurance Get A Quote
        • Private Flood Insurance
        • Renters Insurance
        • Vacation Rental Insurance
      • Health >
        • Health Insurance
        • Long Term Care Insurance
    • Life >
      • Life Insurance
      • Disability Insurance
      • Final Expense Insurance
      • Umbrella Insurance
    • Other >
      • Event Insurance
      • Jewelry Floater Insurance
      • Pet Insurance
      • Wedding Insurance
  • Resources
    • Articles
    • Discount Opportunities
    • Insurance Industry Links
    • Job Opportunities
    • Newsletter Signup
    • Online Services >
      • Report a Claim
      • Make a Payment
      • Update Contact Info
      • Policy Changes
      • Proof of Insurance
      • Contact My Carrier
      • Online Documents
      • Free Consultation
    • Local >
      • Agoura Hills
      • Big Bear
      • Burbank
      • Calabasas
      • Camarillo
      • Century City
      • Chatsworth
      • Culver City
      • Eagle Rock
      • Encino
      • Glendale
      • Hollywood
      • Irvine
      • Lake Arrowhead
      • Los Angeles
      • Los Feliz
      • Marina del Rey
      • Moorpark
      • North Hollywood
      • Northridge
      • Oak Park
      • Oxnard
      • Pasadena
      • Porter Ranch
      • Santa Clarita
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      • Sherman Oaks
      • Silver Lake
      • Simi Valley
      • Studio City
      • Sunland
      • Tarzana
      • Thousand Oaks
      • Toluca Lake
      • Tujunga
      • Venice
      • Ventura
      • West Hollywood
      • Westlake Village
  • Blog
  • About
    • Staff Directory
    • Client Testimonials
    • Privacy Policy
    • Terms of Service
    • Refer a Friend
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    • Insure Your Recon Campers ENVY
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Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

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Home Insurance in Granada Hills, CA

Home insurance, which is also known as homeowner's insurance or hazard insurance, is designed to provide financial protection for a private residence.

It offers coverage for losses that may occur to the home, its contents, and other personal possessions of the homeowner. Additionally, it can provide liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. Homeowners in Granada Hills, CA can rely on our comprehensive home insurance policies and receive the peace of mind they deserve.

Typical Home Insurance Coverages

Section I — Property Coverages
  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.[14]
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
  • Additional Coverages
    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3).[15] The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.[16] A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.[17]
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. [18]
Section II — Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.[19]

    Contact us to learn more about the right homeowners insurance for you.
(818) 322-4744​
17425 Chatsworth Street
Suite 204
Granada Hills, CA 91344​
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Schneiderman Insurance Agency
17425 Chatsworth St Ste 204
Granada Hills, CA 91344
(818) 322-4744​
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