Fullerton Homeowners Insurance

Fullerton Homeowners Insurance

Understanding Fullerton Homeowners Insurance Coverages

• DWELLING COVERAGE

  Dwelling Coverage is the foundation of your homeowners policy, protecting the main structure of your home against covered events like fires, windstorms, or vandalism. In Fullerton, where many homes date back to the early 1900s or are nestled in the hills near open space, ensuring the proper rebuild cost is vital. This coverage generally applies to your house, attached garage, and built-in features like cabinetry or HVAC systems. Wildfire risks, especially near the Coyote Hills area, make dwelling coverage especially crucial in this part of Orange County.

• PERSONAL PROPERTY COVERAGE

  Personal Property Coverage safeguards your belongings, from your wardrobe and furniture to electronics and keepsakes. For Fullerton homeowners with high-end bicycles for the Fullerton Loop or musical instruments used at local venues, consider adding extra protection for these valuables. This coverage typically equals a percentage of your dwelling limit, but can be customized to fit your lifestyle. In the event of a burglary, fire, or other covered event, this coverage helps replace what’s lost or damaged.

• LIABILITY PROTECTION

  Liability Protection helps shield you financially if someone is injured on your property or if you accidentally damage someone else’s belongings. In Fullerton, where many homes host backyard barbecues, pool parties, or guests visiting from Cal State Fullerton, this coverage can prevent legal costs from becoming a major burden. It includes expenses like medical bills, legal representation, and court settlements. Many Fullerton homeowners opt for higher limits to better protect their assets.

• ADDITIONAL LIVING EXPENSES

  Additional Living Expenses (ALE) coverage helps pay for temporary living costs if your Fullerton home becomes uninhabitable after a covered incident like a fire. With Orange County hotel prices and restaurant bills adding up quickly, ALE ensures you maintain your quality of life while repairs are underway. Whether you need a pet-friendly Airbnb or a hotel near Downtown Fullerton, this coverage helps bridge the gap. It usually covers around 20% of your dwelling limit but can be adjusted for your lifestyle.

• OTHER STRUCTURES COVERAGE

  Other Structures Coverage protects detached structures on your Fullerton property like a freestanding garage, backyard workshop, or fencing around your pool. If you live in areas like Sunny Hills with expansive lots or custom landscaping, this coverage ensures those features aren’t left vulnerable. It’s generally set at 10% of your dwelling coverage but can be increased if needed. Like your main home, it’s covered against perils such as fire, vandalism, and wind.

• MEDICAL PAYMENTS COVERAGE

  Medical Payments coverage pays for minor injuries that occur on your property, no matter who is at fault. For Fullerton homeowners who frequently entertain outdoors or host family gatherings, it’s a great way to cover things like a guest’s twisted ankle or a slip on wet pavement. Coverage limits are usually modest—between $1,000 and $5,000—but provide fast financial help without the need for legal action. It’s a smart safeguard, especially if you live near popular walking routes or bike paths.

• FLOOD INSURANCE

  Flood Insurance is a separate policy from homeowners insurance and is essential for Fullerton residents in low-lying or poorly draining areas. Heavy rainfall or sudden storm runoff can quickly overwhelm parts of town, especially near Laguna Lake or neighborhoods with aging stormwater systems. Backed by the National Flood Insurance Program (NFIP), this coverage protects your structure and personal items from flood-related damage. Even if you’re outside a designated flood zone, it’s worth considering for peace of mind.

• EARTHQUAKE INSURANCE

  Earthquake Insurance is a must for Fullerton homeowners due to Southern California’s seismic risk. While Fullerton itself isn't right on a major fault line, nearby fault systems mean shaking could still cause significant damage. This optional policy helps cover repairs to your home, replacements for personal items, and even temporary living costs if your home becomes unsafe. Many Fullerton homes—especially older ones—can benefit from this coverage, as retrofitting may only go so far.

Why Choose The Insurance Store for Homeowners Insurance in Fullerton?

Here is what Our Happy Customers have to say

I worked with Kim she explained the process to me well and was great at walking me through the different options. I called her back several times and each time she was patient, knowledgeable and was able to help. The whole process was rather painless because of Kim's help.

Elizabeth Landt