Home Insurance in Santa Barbara, CA, Ventura, CA and Surrounding Areas
Protecting Homeowners in Santa Barbara, CA
California homeowners experience unique and changing weather patterns and there are distinct geographic qualities to wherever these homeowners live. In Santa Barbara and throughout Southern California in particular, it is important that homeowners be mindful of changing weather patterns and geographic distinctions because they affect the security of homes and can lead to damages that result in significant costs. Being mindful indicates to any homeowner that protection of some sort is necessary, and insurance provides this protection.
At Deyette McCloskey & Associates we have a broad and flexible home insurance program that gives every California homeowner opportunities to stay completely protected against exposures for the right price. We adapt the packages that we write through this program to the needs of individual clients and we’ll happily tailor a package to you.
Coverage and Policy Options Tailored to your Needs
Through A+-rated carriers like Allied, AIG, and Chubb we offer diverse and expansive coverage and policy options. We can ‘shop’ these options on your behalf in order to help you find the right solution. Our agents have a combined 60 years of experience insuring homeowners and are our agents are all local. Combined, their knowledge, insurance acumen, and honed skills enable our agents to deliver policies and packages that give clients complete protection for minimal costs.
The coverage options available to you include:
- Property Insurance
- Homeowners Liability
- Renters Insurance
- Condo Insurance
- Mobile Home Insurance
- Scheduled Property Insurance
- Landlords Insurance
- Earthquake Insurance
Southern California and other regions throughout California are susceptible to floods and tropical storms, and as a result homeowners in these regions sometimes face significant flood and water damage. To protect against having to pay for these damages out-of-pocket, homeowners should consider having flood insurance. This type of insurance is not often included in a homeowners policy, so purchasing the right flood insurance requires a separate policy or a combined policy. Ask an agent to find out more about flood insurance and combined home and food insurance policies.
You can save on your home insurance by combining it with other types of insurance like auto. Combining these two types or insurance gives you a multi-line policy and makes you eligible for a multi-line discount, which can lower your rates and/or make extended coverage options available. See our home & auto page and/or ask an agent about how to combine your home and auto insurance.
We have a detailed and hands-on approach to delivering solutions. We assess clients’ needs and identify coverages that meet these needs. We create completely protective solutions that are available for the right prices and we monitor these solutions throughout the lives of the policies within the solutions. We contact clients before renewals to ensure that coverages and policies are current and that rates are appropriate. This ensures that the insurance experience is easy and full.
We manage risk and claims and are fully available. This helps clients reduce costs, have advocates, and reach us whenever we’re needed. Via text, email, phone, and face-to-face interactions we communicate with clients, and we’ll communicate through whatever methods clients prefer.
Deyette McCloskey & Associates is proud to provide home insurance in Santa Barbara, Goleta, Ventura, Carpinteria, Newbury Park, and Bakersfield, CA. We also serve other areas in the state.