DIAMOND LEGACY INSURANCE

Affordable home owners insurance.

Diamond Legacy Insurance, we are a cut above.

GET A QUOTE

Please be patient as we finish our website

Homeowners insurance can help protect you from the unexpected. Call Diamond Legacy today for a free quote.

a woman smiling looking at something on her phone

Contact Us

Send Us a Message

Frequently asked questions about home owners insurance

What types of insurance must you purchase as a homeowner?

Homeowners insurance. Most lenders will require you to have homeowners insurance, also commonly known as hazard insurance, and often abbreviated as HOI. Private mortgage insurance. Title insurance. Flood insurance. Legal insurance.

What is home owners insurance good for?

A standard homeowners insurance policy provides coverage to repair or replace your home and its contents in the event of damage. That usually includes damage resulting from fire, smoke, theft or vandalism, or damage caused by a weather event such as lightning, wind, or hail.

Is there a difference between property insurance and homeowners insurance?

Property insurance refers to a series of policies that offer either property protection or liability coverage. Property insurance can include homeowners insurance, renters insurance, flood insurance, and earthquake insurance, among other policies.

What is the most basic home insurance coverage?

An HO-1 policy is the most basic of all the types of homeowners insurance policies. It only provides coverage for the structure of your home, attached structures like garages, and appliances and home features like carpeting. It does not include coverage for personal property, liability or additional living expenses.

What are the 3 basic levels of coverage that exist for homeowners insurance?

Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others. Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.

What is not protected by most homeowners insurance?

The main areas that are not covered by homeowners insurance include: Damage caused by earth movements such as sinkholes and earthquakes. Issues caused by neglect or improper maintenance of the property. Damage caused by termites and other insects.

what's new?

From The Blog

Why Cyber Insurance is Essential for California Retail Businesses

06/21/2024

Why Cyber Insurance is Essential for California Retail Businesses

READ MORE
Employers' Guide to California Workers' Compensation Insurance

12/12/2023

Employers' Guide to California Workers' Compensation Insurance

READ MORE
Difference between working with a Broker vs Captive Agent

06/27/2023

Difference between working with a Broker vs Captive Agent

READ MORE

© web design by one eleven stockton, ca