Home Insurance

Throughout your life, you will make several large investment purchases. Chances are, nothing will surpass the overall cost and value of your home. That is exactly why you need to do what you can to protect your investment. The best way to do this is with the aid of homeowner's insurance. Now, homeowner insurance is not a one-size-fits-all form of protection. There are many variables as no two homes are exactly the same. That is why if you live in California and own your home, you need to talk with the team at Argos Insurance Services.

Protecting Your Home from The Inside Out

Your home is different from all other homes. From its location in town to the kind of features, fixtures, and appliances located inside of the house. It's your castle, and it needs to be protected as such. With homeowner insurance, you can do exactly this. Of course, trying to determine what insurance policy works best for you can be a bit of a challenge, which is why going over all the options available to you is beneficial. Argos Insurance Service can help with this.

Insurance Add-Ons

There are all kinds of additional insurance options you can consider optimizing your protection. From flood to additional umbrella insurance, you'll want to consider these add-ons. Each will help offer you not only excellent protection but give you peace of mind. Standard home insurance will not protect you from Earthquakes and Flooding. It is important to keep this in mind.

We Specialize in Hard to Insure Properties

Having a hard time finding homeowners insurance or have you been non-renewed by your current carrier?

If so, we can help!

The owner of Argos Insurance Services; Joel Alexander, prior to entering the insurance market 10 years ago, was in Real Estate and Loans, so he understands a lot when it comes to insuring a home and what lenders require to be compliant with loan terms.  He works with real estate agents and clients all over California in securing homeowner or business insurance.

If no standard carriers will insure your property; home or business, the CA Fair Plan will.  A CA Fair Plan policy is a unique insurance policy and requires that you understand exactly what it covers, and what is doesn't.   An insurance agent not experienced in this area, can easily insure you improperly or with not enough coverage, leaving you in a precarious position when you have a loss.

Alot of people have heard a lot of negative info about having a policy with the CA Fair Plan, but I, speaking from experience have had 3 clients lose homes (Valley Fire 2015 and Tubbs Fire 2017) and all of them were very happy with both the service and the payout of their plans with the CA Fair Plan.  The main issue with the CA Fair Plan is the premiums.  

When you are non-renewed by your carrier, there is usually a reason.  Your house may have adequate defensible space and being in what seems like a low fire zone, but insurance companies are no longer looking at individual homes for coverage availability, they are now looking at a map and drawing boundary lines for areas that have either been prone to fires or may be ripe for a fire in the future.  This could be a whole section of the city and could include homes that would only burn if half of the city would burn first.

It is not personal, although very personal to you, when an insurance company includes your property in an area where they are no longer extending coverage.  When a homeowner who has been with a carrier for decades and has never had a claim receives and non-renewal notice, it is a very upsetting situation.

At the time it may seem like a hopeless situation, but there will always be an option to insure every property in CA.  This assumes that the property is well maintained and does not have a lot of underwriting concerns other than fire related risks.  This would include abandoned vehicles, appliances or furniture.  Piles of debris and potential other hazards that could cause a fire risk or injury to a person who could enter the property would also be a concern.

More info to come.  Please call Joel Alexander at 707-526-9324 for information.