Home Insurance
Safeguard Your Home, Inside and Out
Home insurance protects your house and personal belongings from risks like fire, theft, storms, and more. It also includes liability coverage in case someone is injured on your property. Your home is likely your largest investment, making it crucial to have coverage that can help you rebuild and recover after an unexpected loss. The Carranza Risk Management team is happy to help and walk you through insuring your home so you can protect what matters most.
Coverage A – Dwelling
Covers the structure of your home, including the roof, walls, foundation, and built-in appliances, against covered risks like fire, wind, hail, and vandalism.
Coverage B – Other Structures
Protects detached structures on your property such as garages, fences, sheds, and guest houses.
Coverage C – Personal Property
Covers your belongings — furniture, clothing, electronics, and more — if they’re damaged, destroyed, or stolen due to a covered event.
Coverage D – Loss of Use
Pays for additional living expenses like hotel stays and meals if your home becomes uninhabitable due to a covered loss.
Coverage E – Personal Liability
Protects you if you’re legally responsible for causing injury or property damage to others, whether at your home or elsewhere.
Coverage F – Medical Payments to Others
Covers minor medical expenses if a guest is injured on your property — regardless of who was at fault.
Optional Coverages & Endorsements - Enhance your policy with these additional protections:
- Flood Insurance – Not included in standard policies; protects against water damage from rising waters.
- Earthquake Coverage – Covers structural damage from seismic activity.
- Sewer or Water Backup – Helps pay for damage caused by backed-up drains or sump pumps.
- Scheduled Personal Property – Provides extra coverage for high-value items like jewelry, collectibles, and fine art.
- Ordinance or Law Coverage – Pays for increased rebuilding costs due to updated building codes.
- Home-Based Business Endorsement – Extends limited coverage for business equipment and liability.
