Home Insurance

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Home Insurance in Woodland Hills, CA

Protect your valuable residence in Woodland Hills CA with comprehensive Home Insurance coverage from Brenden Morris Insurance Agency, Inc. Our Home Insurance options include Homeowners Insurance and Property Insurance tailored to meet your specific needs.

Home Insurance, also known as hazard insurance or homeowner's insurance, is an essential type of property insurance that provides coverage for your private residence. It combines various personal insurance protections to safeguard against losses that may occur to your home, its contents, additional living expenses in case of loss of use, or other personal possessions. Additionally, it offers liability insurance for accidents that may happen on your property or caused by you within the policy territory.

At Brenden Morris Insurance Agency, Inc., we understand the importance of protecting your home and personal belongings. Our experienced team is dedicated to providing you with reliable Home Insurance coverage tailored to your unique requirements in Woodland Hills CA.

Trust Brenden Morris Insurance Agency, Inc. to help you secure the right Home Insurance coverage for your peace of mind.

Typical Home Insurance Coverages

Section I — Property Coverages

• Coverage A – Dwelling
  Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.
• Coverage B – Other Structures
  Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
• Coverage C – Personal Property
  Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.[14]
• Coverage D – Loss of Use/Additional Living Expenses
  Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
• Additional Coverages
  Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
• Exclusions
  In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3).[15] The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.[16] A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.[17]
• Floods
  Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. [18]

Section II — Liability Coverages

• Coverage E – Personal Liability
  Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.[19]
  
  Contact us to learn more about the right homeowners insurance for you.

(818) 835-9660​
20301 Ventura Blvd.
Suite 315
Woodland Hills, CA 91364​
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