Homeowners Insurance|AnyInsurance

Homeowners Insurance

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In California, it is important to purchase Homeowners insurance to protect your assets from any liability and catastrophic losses. Any Insurance is here to help you find the right home insurance policy to help protect your investment.

Dwelling:: This is also known as home structure coverage which helps protect the physical structure of your home such as your walls and roof. It may also cover your attached garage.
Personal Property:: Covers personal belongings inside your home such as furniture, jewelry if they are damaged or stolen.
Personal Liability:: Defends and covers you if someone sues you after being injured on your property or if you damage someone else’s property.
Loss of Use:: This coverage can help you pay for costs that you might have incur for reasonable housing and living expenses if your house is temporarily uninhabitable and is being repaired or rebuilt.

What is covered under your homeowner insurance policy?

We understand the hassles that come along with filing your claims which is why we want to make this process as quick and painless for you as possible. Below you will find all the information you will need to file your claims.

Don’t Panic! Just make sure that you are at a safe location.
Prepare any pictures or receipts of your personal property.
Please Contact us at 626-363-2228 Rowland Heights Office or 949-943-1789 Irvine Office. Our agents will assist you with your claim.

What to do at the time needing to file a claim?

Have Us File your Claim for you

Call us at 626-363-2228 Rowland Heights Office or 949-943-1789 Irvine Office
Email: claim@anyinsurances.com

File your Claim Directly with Insurance Company

Any Insurance has selected insurance companies that provide 24-hour services. Please find their contact information as follows.

Insurance Company	Claim Phone Number
Nationwide Insurance	1-800-421-3535
CSE Insurance	1-888-236-5584
Kemper Preferred	1-866-536-7376
MetLife	1-800-854-6011
Safeco	1-800-332-3226
Stillwater Insurance	1-800-220-1351
Travelers	1-800-252-4633

Filing a Claim

When you file a claim, you’ll be asked to provide some basic details:

Location, time of day and weather condition
Any picture of damages to property
Description of what happened
Names and badge numbers of any officers that responded to the incident
A copy of the incident report

What information do you need to prepare when filing a claim?

Step 1: Submit your claim.

Step 2: Wait for your insurance company’s assigned claims adjuster to contact you.

Step 3: If you haven’t heard from your claims adjuster within one week please contact us!

Claims Procedure

1. How much would it cost to rebuild my home at today’s prices?

Your home is one of the single largest investments that you may ever make. By insuring your home, you are protecting your investment. Here are the primary factors that determines the cost of rebuilding you home

Local construction cost at the time of loss
The square footage of your home and the number of bathrooms and rooms
Type of roof
Any special features not attached to the home itself
Quality of the materials being used to finish rebuilding the home

2. How can I make sure that I have coverage for my valuable items?

Within your home insurance policy, there is limited protection for your valuables. There are some cases where you might consider a Personal Articles Floater Insurance. A Personal Articles Floater provides protection for jewelry, furs or fine arts that are higher than the limits stated in your policy.

3. Will I be reimbursed for living expense if I cannot live in my home due to a covered loss?

If your home becomes uninhabitable due to a covered loss, the insurance company covers your cost of housing, and meals up to a reasonable limit.

4. If there was a pipe burst causing water to flow over my floors, am I covered?

Yes, within a homeowner’s policy it covers accidental discharge of water from a plumbing system.

5. Does my Homeowners Insurance policy cover earthquake?

No, Earthquake insurance is a separate coverage. This coverage can be purchased through:

California Earthquake Authority
Specialized earthquake insurance company

6. How can I save money on my home insurance?

Increase your deductible.
Remain Claims free to continue to earn loss free discount.
Bundling your auto and home insurance together to receive a multiline discount. *Please note that this offer depends on each insurance company.
Install safety devices such as: Burglar Alarm, Fire Alarm, and Sprinkler.

7. How much will my insurance premium increase and how long will it remain on my record after I file a claim?

Rate increase after a claim is solely based on the insurance company. After filing a claim, you will lose your claim free discount for your home insurance. The average timeframe for a home insurance claim to remain on an account is 5 years, but this depends on each individual carrier. *Please consult with your insurance agent about this matter.

8. If I am evacuated by local civil authority and have to live at a hotel, does my home insurance cover my living expenses?

Within your home insurance policy, it is covered under your loss of use coverage. In the event that you are unable to access your home due to a civic authority mandatory evacuation, some insurance companies will reimburse your living expense up to 2 weeks without paying a deductible. *Please refer to your policy or your insurance agent for more clarification*

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