Premier Homeowners Insurance Provider in San Diego, CA

Homeowners insurance offers protection against all sorts of hazards and emergencies. For instance, damages caused by fire, burglary, lightning strikes and plumbing problems can be a financial catastrophe if you don’t have homeowners insurance. The trusted insurance agents at American Tri-Star Insurance, San Diego’s leading homeowners insurance provider, have been helping San Diego homeowners for years with all of their property insurance needs. Don’t wait, give us a call today for a free quote.

What is Open Perils and Named Perils Coverage

Homeowners insurance isn’t one-size-fits-all. Depending on where you live, there are specialized types of property insurance for disasters like flood and earthquake that aren’t included in a standard policy. These risks will help determine if a homeowner chooses to insure property with open or named perils coverage.

  • Open perils coverage provides protection for all reasons of loss not explicitly excluded from the policy. Typical loss exclusions for open peril coverage can include destruction caused by war, terrorism, or nuclear explosions. Usually, exclusions are to protect the insurer from financial catastrophe.
  • Named perils coverage provides protection for all reasons of loss specifically included in the policy. These named perils are usually more common occurrences like theft or natural disasters. If a homeowner lives in an area where earthquakes aren’t a concern, they can elect to go without earthquake coverage, but still might want fire and flood coverage.

We Can Help You Find the Right Policy

Buying a house is usually the biggest investment a person or couple will make in their lifetime. Choosing the right homeowners insurance agency is vital in making sure you get the right coverage for your investment. The knowledgeable and friendly insurance agents at American Tri-Star insurance are ready to roll their sleeves up on your behalf. If you need San Diego homeowners insurance, give us a call and we will be glad to explain all of your options and answer any questions (and you’ll have questions!).