Homeowners Insurance

McKenzie Smith Insurance Agency proudly enjoys a reputation for providing quality insurance for many types of homeowners and tenants. We truly understand the insurance concerns of the residents of California having served those needs for the past 25 years.

Our superior protection of your home and contents included these perils:

*  Fire and Lighting
*  Weight of Ice / Snow
*  Glass Breakage
*  Vehicle and Aircraft Damage
*  Wind Storm and Hail
*  Water Damage from Plumbing, or Heating System Including Freezing
*  Accidental Electrical Damage
*  Vandalism and Riot
*  Falling Objects
*  Theft
*  Smoke
*  Explosion

Protection for Personal Liability Against
Claims for bodily injury on and away from your premises: Claims for damage to property of others: Medical expenses for guests (regardless of responsibility) or fire legal liability.

Home, Contents and Liability Coverages
Homeowners Insurance includes coverages for the following items:

*  Dwellings / Structures
*  Household and personal property
*  Additional Living Expenses in the event your home becomes uninhabitable due to a covered peril
*  Comprehensive personal liability
*  Medical payments to others if they are injured on your property
  

Optional Coverages

Replacement Cost Coverage on the Dwelling
The basic policy insures the dwelling up to a limit selected by you. The replacement cost specified amount of coverage endorsement extends the dwelling 50% beyond the limit for the dwelling shown on the declaration page.

Contents Replacement Cost Coverage
This coverage insures personal property for replacement cost at the time of loss.

Scheduled Personal Property Coverage
All risk coverage is available to insure personal (jewelry, cameras, collectible, etc.) at specific values for replacement cost at the time of loss with no deductible.

Building Ordinance or Law Coverage
A homeowners policy may be endorsed to provide coverage against loss resulting from ordinances or laws regulating the construction, repair, or demolition of property enacted after the dwelling was built.

Earthquake Coverage
Loss due to an earthquake is not a covered peril under the basic homeowners policy. Earthquake coverage can be purchased for an additional premium.

Comprehensive Personal Liability
Homeowners insurance personal liability can have limits of $100,000, $300,000, $500,000 or $1,000,000. Liability can be extended to a rental or a secondary residence for a small additional premium.

Discounts
Deductible credit, new home discount, alarm discount, tile roof discount, century discount over the age of 50, renewal discount, multi policy home and auto discount.

Homeowners Policy Personal Property sub limits
Within every homeowners policy are sub limits for your personal property (contents). Sub limits are the maximum an insurance company will pay for items such as jewelry. Below are the sub limits.

Cal Pak coverage
•   $250 in cash.
•   $2,500 on securities.
•   $2,500 in boats & equipment.
•   $2,500 on trailers.
•   $2,500 in grave markers.
•   $5,000 for theft of jewelry & furs. $1,000 per item.
•   $5,000 for theft of guns.
•   $10,000 for theft of silverware.
•   $1,000 fire department service charge.
•   $1,500 credit card forgery & fraud.
•   $2500 Business property at home.
•   $250 locks re-keyed after a theft.
•   $2,500 arson reward.
•   $10,000 to stabilize or restore land.
•   $500 refrigerated food from power loss.
•   10% of dwelling limit for Ordinance or law coverage.

Personal injury liability, false arrest, libel, slander, etc.
Other options are available for increased coverage limits. Items can be appraised and added to the policy for all risk coverage, no deductible, for an additional premium charge. This is a brief description of coverage. For actual coverage limits and exclusions refer to the policy.

Capital Insurance Group / California Capital Insurance Company
A Rated, admitted in California. Home office Monterey CA. Branch offices in Anaheim, Bakersfield, Ferndale, Fresno, Modesto, Sacramento, San Diego, San Jose, and Ventura. This company was incorporated as a county mutual titled Ventura County Mutual Fire Insurance under the laws of California on August 20, 1898. The by-laws were amended January1, 1966 changing the plan of operation to that of a general mutual and adopting the title California Mutual Insurance Company. On October 31, 1967 the company absorbed the merger of the Humbolt County Fire Insurance Association later followed by the Santa Clara County Fire Insurance Company and the Valley Mutual Fire Insurance Company on January 1, 1969 which was the followed by the Farmers Mutual Fire Insurance Company on March 4, 1969. California Capital Insurance Company is now owned by the employees of California Capital Insurance and Mr. William E. Moore Estate and Kelly-Moore Paint Company, Inc., the largest independently owned paint manufacturer in the United States. California Capital Insurance specialties in personal and “main street” commercial lines products which are distributed through 305 independent agents. The company’s home office is located in Monterey California. The majority of business is written in California with a small amount written in Nevada.

McKenzie Smith Eagle West Insurance Agency is proud to be appointed with such a fine company.