INSURANCE HOME OWNER
Protect one of the most substantial purchases you'll ever make -
your home. LFCU has a special no-cost service to help Californians
find the most affordable home insurance available. We'll be happy
to compare rates from 30 top-rated insurance companies to find the
best insurance features and most competitive prices.
If your homeowner's policy does not cover "all risks," you probably
have a "named perils" policy. Named perils policies only cover your
property losses when they're caused by perils listed on the policy,
such as fire, flood, hail, etc. If a peril isn't listed, it's not
covered by the insurance.
Also, you should know whether your policy will pay the present
value of any damaged or missing property, or the replacement value
(which is a better deal). If you regularly host parties or hire
domestic help, consider getting a $1 million umbrella policy to
protect yourself from lawsuits
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