Homeowners Insurance in Cerritos, CA
Secure Your Home With Mikel's Insurance Services
Your residence serves as a place of comfort and a substantial financial commitment. Protecting it from harm is crucial. Just like any valuable asset, homeownership entails risks that can lead to significant losses. At Mikel's Insurance Services, we deliver high-quality homeowners insurance solutions to individuals across California and neighboring states. Our personalized attention and commitment to exceptional customer service set us apart in today’s competitive market.
What Is Home Insurance And What Does It Cover? 
Homeowners insurance is a type of property insurance that may cover losses and damage to your home, as well as your liability for damage caused to others. It may also protect assets within the house. A standard policy usually covers interior damage, exterior damage, loss or damage of personal assets and third-party injuries that arise while on the property.
Here are some key aspects of homeowners insurance coverage:
- Dwelling coverage—This may pay for repairing, replacing, or rebuilding your home’s structure after a covered event (such as fire, theft, vandalism or weather-related damage).
- Personal property coverage—Homeowners insurance may cover your personal belongings within the home, including furniture, appliances, clothing and other possessions.
- Liability coverage—If someone is injured on your property, liability coverage may help protect you. It can also cover legal expenses if you’re sued due to an accident on your property.
- Medical payments coverage—This can pay for third-party medical expenses if someone is injured on your property, regardless of fault.
- Additional living expenses (ALE)—If your home becomes uninhabitable due to a covered loss, ALE can help cover temporary living expenses while your home is being repaired or rebuilt.
How Much Homeowners Insurance Do I Need?
When assessing your home insurance needs, think about the expense of rebuilding your home entirely, the worth of valuable possessions that might require repair or replacement, potential liability risks (like those related to pets or swimming pools) and the costs of temporary accommodation if your home becomes uninhabitable due to a covered event. Ensuring sufficient coverage is essential to prevent substantial out-of-pocket costs and facilitate recovery after an incident.
Get a Homeowners Insurance Quote
Mikel's Insurance Services has served the community since 1982, demonstrating our long-standing commitment to our clients. Our team is dedicated to helping you find the right homeowners insurance policy to fit your needs and budget. We proudly serve residents of Downey, Whittier, Lakewood, Bellflower, Cerritos, and the surrounding areas. Contact us today to get started.