Homeowners Insurance for Berkley, Concord and the Surrounding Bay Area

Think about how much time and money you have invested in your home over the years. It’s probably quite a lot. When you factor in the sentimental and collateral value of the property and your possessions, then you’ll probably consider the home irreplaceable. A first-rate home insurance policy will help you get the protection you need to keep that value secure.

You buy homeowners insurance because it will protect you from the costly ramifications of multiple household accidents and hazards. These might include everything from burst pipes to fires, theft of property or liability lawsuits. At Brick Insurance Agency, we offer numerous policies that will offer you tailored solutions for your individual coverage needs as a property owner.

With a dedicated team of agents waiting to assist you, it’s easy to get your policy quickly and affordably. Call us at (925) 687-6262 or request your quote now by clicking here.

Common Homeowners Insurance Questions

Why do I need homeowners insurance?

You never know when an accident might occur in your home. When one does, there’s a significant chance of property damage and other losses that might prove extremely costly. Homeowners insurance can pay for many of these losses so that you don’t strain your finances as you try to pick up the pieces.

All homes are different, and they need unique coverage as a result. Brick Insurance Agency offers numerous policy options including:

Just give one of our insurance specialists a call to discuss which of policy is in your best interest.

What does homeowners insurance do?

When property damage, injury lawsuits or other hazards occur in your home, a variety of coverage options offered by homeowners insurance can help you receive assistance. Some of the most critical elements of coverage to incorporate into your policy include:

Additionally, you can expand your policy to include specialty coverage such as scheduled items riders, endorsements for unique property damage risks and more. If you are interested in coverage for earthquake damage, then we can also help you determine the best way to add it to your policy.

Is home insurance mandatory?

Most mortgage lenders require you to buy a home insurance policy before they will approve you for a loan. In all likelihood, you will have to carry this coverage for as long as you have the mortgage. Most lenders require you to obtain coverage at least for the dwelling’s replacement cost value, which is the cost necessary to repair or rebuild the home at today’s value.

However, even if you do not have to carry homeowners insurance, it’s still an instrumental piece of protection in any home. Therefore, you should always carry a policy that is tailored to your benefit, and with the guidance of a Brick Insurance Agency specialist, you’ll find that solution.

How much does home insurance cost in California?

There are many factors that influence the cost of your policy, such as the value of your home, your chosen policy limits, your credit rating and your location. Ask one of our agents to compare the policy options available to you that offers you the greatest number of benefits at the price that is most manageable for you.