Homeowners

Homeowners insurance is a package policy and provides financial protection against disasters. A basic (or standard) policy insures the home itself and the things you keep in it. This means that it covers both damage to your property and your liability (or legal responsibility) for any injuries or property damage you or members of your family cause to other people. This also includes damage caused by your pets.

Disasters are covered, but there are exceptions:

Floods
Earthquakes
Poor maintenance

You must buy separate policies for both flood and for earthquake coverage. Maintenance related issues are the homeowner's responsibility.

You may be wondering... "How much homeowners insurance do I need?"

That is a great question and one that is often overlooked. The simple answer is, you need enough insurance to cover the following:

The structure of your home - you need enough to cover the cost of rebuilding your home at current construction costs (don't include the cost of the land and don't estimate based on the price you paid for your home). For a quick estimate of the amount of insurance you need, multiply the total square footage of your home by local building costs per square foot.
The contents of your home - (personal belongings)
The cost of additional living expenses - (if your home is damaged in such a way that you have to live somewhere else during repairs)
Your liability to others

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What Our Customers Are Saying...

Pennie Hunt
Speaker, Author -- Communicator of Life Lessons www.PennieHunt.com
John worked with me to secure an insurance policy. He kept me informed every step of the way from the application process to having the policy in hand. He is professional, detailed and thoughtful in his work. I would recommend his services in the highest way.

Harris Cohen
chiropractor and author at Dr. Harris R, Cohen
John is an expert in his field. He is very intelligent and has great insight.
I highly recommend John for all your insurance and retirement needs.

Jim Naples
owner EASTBAY BUILDERS INC.
John is a person who brings his knowledge and integrity of his business to any company or individual he works with. We have used John to implement insurance options in several of our businesses and were impressed with the service and creative options he brought to the table in ways to diversify and save money. I would recommend him for all financial and annuity plans especially in this economy.

Glen CarusoClick
Entrepreneur | Premier Digital Marketing Strategist | SaaS Enterprise Executive | Educator
I don't write many recommendations for business associates on LinkedIn, yet I feel compelled to do so for John Johnson.

I've known and worked with John for more than 20 years. Most importantly, I believe he's one of the most ethical and focused businessmen I know.

John's approach to business is not typical. He's the type of person who seems to have an intuitive sense for not only where markets are moving, but the way it will affect people. He then applies that to how it can benefit his current and potential customers. I think that John excels because he cares about those he does business with and genuinely wants to help. He's consultative, but never preachy. He'll do what's right for his clientele -- whether it means he'll get the business or not. Simply, he cares. Most importantly, John's a decent man who's also a lot of fun to be around. He's always got a funny story and leaves you with a sense that you're in good, capable hands.

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