Homeowners Insurance

Whether you own a single family home, a condo, a mobile home or need renters insurance, at Capital Insurance Service we will help you find the best policy type and rates in Nevada and California.
It is extremely important to have the proper coverages included in your homeowner’s policy. Listed below are the main types of coverages available in a homeowners policy in Nevada and California:

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Homeowners Insurance

Whether you own a single family home, a condo, a mobile home or need renters insurance, at Capital Insurance Service we will help you find the best policy type and rates in Nevada and California.
It is extremely important to have the proper coverages included in your homeowner’s policy. Listed below are the main types of coverages available in a homeowners policy in Nevada and California:

Request a Quote

Additional coverages and policy types for homeowners insurance in Nevada and California include:

  • Condominium Insurance

  • Landlord Insurance

  • Mobile Home Insurance

  • Renters Insurance

  • Earthquake Insurance

  • Flood Insurance

Available Homeowners Insurance coverages in Nevada and California:

  • Dwelling – Coverage A

  • Personal Property – Coverage C

  • Loss of Use – Coverage D

  • Personal Liability – Coverage E

  • Medical Payments – Coverage F

Additional coverages and policy types for homeowners insurance in Nevada and California include:

Is coverage that helps protect against losses and repair costs for a condominium unit.

Is a policy for someone who rents out a home they own.

Sometimes referred to as manufactured home insurance, may cover damage to your mobile home, personal belongings, and liability claims if you’re responsible for someone else’s damages or injuries.

Protects your personal property in a rented apartment, condo or home from unexpected circumstances such as theft, a fire or sewer backup damage and will pay you for lost or damaged possessions. It can also help protect you from liability if someone is injured on your property.

Covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property. If you have a mortgage, you must have homeowners insurance. But you do not have to buy earthquake insurance.

A type of property insurance that covers a dwelling for losses sustained by water damage, specifically due to flooding. Floods may be caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems, or levee dam failure.

Available Homeowners Insurance coverages in Nevada and California:

Pays for damage to your house and to structures attached to your house.

Other Structures – Coverage B. Pays for damage to fences, tool or storage sheds, freestanding garages, guest cottages and other structures not attached to your house.

Reimburses you for the value of your possessions, including furniture, electronics, appliances and clothing, damaged or lost even when they aren’t on your property.

Pays some of your additional living expenses while your home is being repaired as a result of damage by an insured event.

Covers your legal defense if you are sued and financial loss if found legally responsible for injuries or damages to someone else.

Pays medical expenses for persons accidentally injured on your property.