Home and Property Insurance

Home Insurance California – Protecting Yorba Linda, Placentia, Anaheim Hills, Brea, and all of California. The Sentinel Agency is appointed with the California Fair Plan and can provide Fair Plan policies as well as Difference in Conditions policies. We understand that finding insurance for your home and other property may be difficult right now but we still have options. 

Your home is the center of your daily life, and your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. The Sentinel Agency can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance for all kinds of homes

Depending on where you live – a house, apartment, mobile home or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

What you need to know about homeowners insurance. Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverage you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

The Sentinel Agency is here to help you find the right insurance for your home and provide you a home insurance quote from multiple home insurance companies in California.

Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on:

· What you select. Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverage you buy. 

· How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss. 

· Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

The Right Coverage. The Right Price. The Right Value.

Home insurance cost depends on many factors. When shopping for insurance, think of your personal housing situation, and the assets you want to protect.

Protection for your home

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm. Every carrier has their own home insurance calculator which we use to determine the replacement cost of your home. Due to the various home insurance calculators that are used throughout the industry, dwelling coverage will vary.  

Protection for you and other people

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. Personal liability coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Additional Living Expenses

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt. 

Protection for your belongings

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Scheduled Personal Property Coverage

If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

If you rent out your home

Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home or save it on your cloud service to make sure it’s not destroyed in an event of a loss.

Every home is unique – use the form below to request your home insurance estimate.