Living in Mission Viejo, California, is a dream for many. This sunny Orange County community holds the bragging rights as the safest city in the state and the third safest in the nation, and it is also a short drive to the beach, shopping, and many different recreational activities.
However, all of this comes at a price--with the average home price in Mission Viejo running just under $600,000, it's important to protect your investment with the right insurance coverage. If you are looking for Mission Viejo insurance quotes for your home, it's important to make sure your home is adequately covered.
California is home to a number of risks that could make your home susceptible to damage, but not all of these are covered by the average HO-3 insurance policy:
- Wildfires. Strong winds and dry desert weather make wildfires a real threat to residents in Mission Viejo. Fortunately, all homeowners' insurance policies will cover damage that results from fires.
- Landslides. If your home is positioned on a hill, as many in California are, you could be at risk for a landslide. Unfortunately, this type of earth movement is not covered by insurance, and policies for it are difficult to obtain or very expensive.
- Earthquakes. Anyone who has lived in California for some time has more than likely felt an earthquake at one point or another. If you want your Mission Viejo insurance to cover earthquake damage, you will have to purchase this coverage separately.
- Flooding. Flooding can occur almost anywhere, but floods from surface waters are not included in your insurance. If you think you could be at risk for flooding, you will have to purchase flood insurance separately from the National Flood Insurance Program.
Saving on Mission Viejo Insurance Quotes
Once you start to add additional coverage to your Mission Viejo insurance quotes, the price will start to rise as well. But there are many ways you can save on your Mission Viejo insurance. Raising your deductible, installing deadbolt locks, purchasing fire extinguishers for your home, and insuring your car and home from the same company are all ways you can save on your insurance.
In order to make sure you are getting the best rates, it's important to comparison shop. You can do this yourself, or you can turn to netquote.com for free information and quotes for your Mission Viejo insurance. This site takes the hard work out of finding multiple quotes, so you can spend less time shopping for insurance and more time enjoying your home and the beautiful city in which you live.