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Spanish Home Insurance

What is Homeowners insurance?

Why do you need homeowners insurance?

Things to consider and questions to ask your agent:

Spanish Home Insurance

Thank you for visiting our Spanish Home Insurance page.  We are a bilingual full service agency that focuses on all of your insurance needs.  Our agents speak both Spanish and English so that we can best serve our clients.  What makes our company unique is that we don't just represent one company. Our insurance agents shop over 18 different insurance companies which helps you get the proper coverage and saves you money.  Our philosophy is that we represent our clients and not the insurance company.  We have 20 plus years experience in the spanish auto insurance industry.  Call us today to get your free quote for spanish auto insurance.

What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent:

Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • Does the insurance company have bilingual support for customer service and claims?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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Nevada Auto Insurance
1953 N DECATUR BLVD
Las Vegas , Nevada , 89108 USA
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