Homeowners Insurance in Garden Grove, CA

white and pink concrete building near palm trees under blue sky during daytime A standard homeowners insurance policy may help financially protect your home and personal belongings from risks such as fire, theft, vandalism and certain types of water damage. New Advantage Insurance Agency is here to answer your most common questions about homeowners insurance in Garden Grove, CA and the surrounding communities.

What Does Homeowners Insurance Typically Cover?

New Advantage Insurance Agency offers home policies that may cover:

The structure of your home
Detached structures (e.g., garages and tool sheds)
Personal property (e.g., furniture, electronics and clothing)
Liability protection if a guest is injured on your property or if you damage others’ property
Additional living expenses if you need to temporarily relocate due to a covered incident

Are There Risks That Aren’t Covered by Standard Policies in California?

Yes, standard policies usually do not cover damage from earthquakes or floods—two risks that can be significant in California. Our team can help you explore separate earthquake and flood insurance options to make sure you have the financial protection you need.

How Are Homeowners Insurance Rates Determined?

Insurance rates in California are often influenced by various factors, including:

The age and condition of your home
Location and proximity to wildfire zones
Your claims history
The amount and type of coverage you select

What Should I Do If I Need to File a Claim?

If you experience a loss, take pictures and gather evidence of damaged structures or belongings, and contact our team as soon as possible. We can guide you through the claims process, help you document the damage and work with your insurance carrier to resolve your claim efficiently.

Can I Customize My Homeowners Insurance Policy?

Absolutely. Many home insurers offer a range of policy options and endorsements to tailor your coverage, such as increased limits for valuables, identity theft protection and more. Our team is here to help you understand your choices.

Get Started

As a local agency, New Advantage Insurance Agency understands the risks facing Garden Grove homeowners. Contact us today to speak with one of our California home insurance agents.