Homeowners Insurance

Whether you live in a home, condo, or apartment, secure the right homeowners insurance in Hollywood, California to protect your property and your personal liability.

Homeowners Insurance in Hollywood

Your home is your safe space; a welcoming environment that you have invested considerable time, money, and effort into.  The last thing that you want to do is shell out even more money if your home sustains damage or if you are on the receiving end of a personal liability claim.  Fortunately, you can secure the coverage that you need with the right homeowners insurance in Hollywood, California.  When you turn to the experts at Makar Technique Insurance Agency for assistance with your home coverage, you can secure the perfect policy to meet your home’s unique coverage needs.  Here are our home coverage offerings explained in more detail.

Homeowners

Your home represents years of careful planning, penny-pinching, and hard work.  At Makar Technique Insurance Agency, we understand just how much your home means to you.  This is why we have made it our goal to offer our clients the customizable and comprehensive coverage they need to protect against every risk that threatens their home.  From natural disasters to break-ins to personal liability issues, we offer the protection that you need to address common threats.  Our standard homeowners insurance offers the following coverage:

  • Dwelling
  • Personal Property
  • Personal Liability
  • Loss of Use

Renters

If you live in a rented home or apartment, then your landlord is responsible for the physical damages that your rental property sustains.  However, you are still responsible for your personal belongings, personal liability, and the cost of temporarily living elsewhere if your rental is damaged.  Renters insurance is specifically designed to cover these areas of concern.  For instance, our renters insurance policies provide personal property, personal liability, and loss of use coverage to address your specific needs.

Condos & Townhouses

Condos and townhouses are somewhere between a classic home and an apartment.  While you can own a condo or townhouse, you share insurance responsibilities with your condominium or property management association.  Your management association holds a master policy that provides coverage for the structures and common areas that the association owns.  As the condo owner, you will be responsible for insuring the other aspects of your unit.  Generally, condo owners will need to secure coverage for all the structural features within their unit, as well as their personal belongings and liability.  Because every management association has different insurance requirements for condo owners, the experts at Makar Technique Insurance Agency offer flexible condo and townhouse coverage to address all your unique insurance needs.

Umbrella

Sometimes, standard homeowners insurance policies do not offer enough liability coverage.  This coverage gap could leave you financially responsible for any claims that exceed the liability coverage limits offered by your home insurance.  Fortunately, you can avoid such major expenses by securing the right umbrella insurance.  This special form of coverage is meant to provide supplemental liability coverage that kicks in when your other personal insurance policies reach their limits.  With an umbrella policy from Makar Technique Insurance Agency, you can create a comprehensive coverage plan for your home.

Earthquake

California residents know that the threat of a major earthquake is ever-present.  Because standard home insurance policies specifically exclude coverage for the damages caused by earth movement, homeowners can be left with hundreds of thousands of dollars in damages.  To ensure that you are not responsible for these exorbitant losses, you need to secure a specialty earthquake insurance policy to protect your home, belongings, and loved ones.  Earthquake insurance is designed to help homeowners repair or completely rebuild their homes should they suffer major earthquake damages.  These policies also offer coverage to secure temporary housing for you and your family while your home is undergoing the necessary repairs.

Flood

Floods are one of the most destructive and common natural disasters in the nation.  Unfortunately, flood damages are specifically excluded from coverage under standard homeowners policies.  Because floods can strike suddenly and leave horrible damage in their wake, it’s vital that you secure flood insurance to protect your home and belongings.  Flood insurance consists of two main types of coverage; building and contents.  Here’s what is included in each type of coverage.

  • Building
    • Building Foundation
    • Electrical and Plumbing Systems
    • Central Air Conditioning Equipment, Furnaces, and Water Heaters
    • Refrigerators, Cooking Stoves, and Built-in Appliances
    • Permanently Installed Flooring
  • Contents
    • Clothing, Furniture, and Electronic Equipment
    • Curtains
    • Portable and Window Air Conditioners
    • Carpeting (that is not already covered under building coverage)
    • Clothing Washers and Dryers

Rental & Investment Properties

If you own a rental property, then you are subject to a considerable amount of risk.  Not only are you responsible for physical damages to your property, but you also face business-related risks and the threat of employee and tenant claims.  While your coverage needs are complex, you can secure insurance to address your various risks.  When you secure rental and investment properties insurance from the experts at Makar Technique Insurance Agency, you can rest assured knowing that your investment and assets are safe.  Our rental and investment properties insurance includes the following coverage:

  • Commercial Property Coverage
  • General Liability
  • Loss of Income
  • Sewer Backup
  • Equipment Breakdown
  • Ordinance and Law
  • Commercial Umbrella
  • Money and Security
  • Employee Dishonesty
  • Workers’ Compensation
  • Earthquake
  • Flood

This is what the right homeowners insurance in Hollywood, California can do for you.  Curious to learn more about our extensive coverage options?  Then don’t hesitate to contact the experts at Makar Technique Insurance Agency today.

Homeowners Insurance in Hollywood

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