Proper Homeowner Insurance For A Custom Home

If your home is a custom built home in California, you are likely under insured on your homeowner insurance. All homes are different and the rebuild cost per square foot in your home will vary from home to home based upon the individual characteristics of the home. If your home has exposed beams, vaulted ceilings, high quality appliances, or other important unique qualities, make sure that you discuss this with your agent. Your dwelling coverage on your home will need to be rated higher than other homes that do not have the same custom characteristics. The average cost per square foot to rebuild your home will be significantly higher than a home with standard features. The premium on your homeowners insurance policy will raise proportionately as the dwelling coverage is raised. The bottom line is that if your homeowner insurance coverage is not rated correctly and you have a total loss you will not have enough coverage on your policy to rebuild your home to the same standards that it was prior to the loss. In some areas in California the cost per square foot to rebuild a custom home could be as much as double that of a standard home. Make sure that your agent speaks with you regarding the proper amount of coverage and the unique quality of your home so that you can ensure that in the event of a claim you will have the appropriate coverage that you need. Request your quote online today or call 530.923.2930 License 0G13612.