Homeowners Insurance

At Meslee Insurance we take pride in arranging the appropriate insurance for our homeowners. We work with you to understand where the home could be underinsured and how to best protect you from liability exposures.

Those with experience will confess, a cheap policy with gaps in coverage is no bargain at all.

A common mistake is to settle for a lower-cost premium that lacks the necessary coverage when it counts. This can be even more costly in the long run.

If you value your home you must be certain that you have the correct coverage and endorsements to protect you in the event of a loss.

Whether you have a high value home, older home, or property located in a brush area we have the necessary markets to place your risk.

Our office has established relationships with excellent carriers. This guarantees that we obtain the most comprehensive policies at the most competitive prices.

Our licensed Agents will assist you in looking at your current policy to ascertain whether you have adequate coverage. With our years of experience and knowledge we are confident Meslee Insurance can assist you with any insurance related queries you may have.  

Call us at (213) 488 -1000 to speak to an agent today.

Or fill out a quick quote and one of our agents will contact you.

Types of Policies Written

  •        General homeowners
  •        High value homes
  •        Uniquely constructed homes
  •        Homes located in hazardous areas (i.e. brush fire or flood exposure)
  •        Vacant homes or homes under construction & renovation
  •        Secondary or vacation homes
  •        Homes rented out to others
  •        HO1, HO2, HO3, HO5 & HO8 classifications

Basic Coverages: Typically Included in Homeowner Policies 

Coverage A (Dwelling): Covers the value of the dwelling itself not including the value of land. (Options for replacement cost or actual cash value)

Coverage B (Other Structures): Covers other structures on the property that are not directly attached to the dwelling such as a guest house, pool or detached garage.

Coverage C (Personal Property): Covers your personal property and contents in the home. (It is important to note that many homeowner policies have limitations to the amounts they will pay against theft or loss of certain target items such as jewelry, cash, and coins. Items of high value must be specifically listed and endorsed to the policy, or, those items can be covered under a Personal Article Floater policy.) Depending on the carrier, coverage may be included for personal property with you while away from home.

Coverage D (Loss of Use): Covers costs associated with additional living expenses if the home is deemed uninhabitable after a loss.

Additional Coverages: Covers a variety of other expenses and risks such as debris removal, damage to trees and shrubs, credit card/identity theft charges, fire department charges, and more.

Coverage L (Liability): Covers your personal liability for accidents that may happen at the home or at the hands of the homeowner within the policy territory. This protects you if others make a claim or bring suit against you for bodily injury or property damage.

Coverage M (Medical): Covers medical expenses for visitors who are accidentally injured on your premises.

 Other Information

  • Damages and loss caused by Earthquake and Flood are not covered by homeowner policies. A separate policy must be purchased to cover these risks.
  • The coverages listed above are general coverages that you will find on most homeowner policies. Additional and more specific coverage options may be available upon request.
  • Please visit our insurance glossary tab for a full list of insurance terms and definitions.

  • There are many discounts available to help reduce your premium. Please visit our learning insurance discounts page to find out more information on how to maximize your savings.

 

* This page contains only a general description of coverages and is not a contract. Details of coverage or limits may vary in some states and by carrier. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.

 

 


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