Home Insurance
Protect Your Home & Everything in It
Your home is one of your biggest investments—make sure it’s protected against unexpected damage, theft, and natural disasters. Whether you own a house or a condo, our home insurance policies provide comprehensive coverage to keep your property and belongings secure. At Golden Era Insurance, we make it easy to get affordable, reliable home insurance in Fremont, CA, and surrounding areas.
Our Services
Dwelling Coverage
Pays for repairs or rebuilding if your home is damaged by fire, storms, or other covered events.
Personal Property Protection
Covers the cost of replacing furniture, electronics, and valuables due to theft or damage.
Liability Coverage
Protects you financially if someone is injured on your property.
Loss of Use Coverage
Helps with temporary living expenses if your home becomes uninhabitable.
Flood & Earthquake Insurance Add-Ons
Get extra protection for natural disasters not covered in standard policies.
Don't See What You Need?
Every home is different. Whether you’re a first-time homeowner or need high-value home insurance, we offer custom coverage options to fit your needs. Contact us today to learn more.
Home Insurance 101 – What Every Homeowner Should Know
1. Why Home Insurance is Essential
Home insurance isn’t just a smart investment—it’s often required by mortgage lenders. Without it, you could face thousands in out-of-pocket costs for:
- Fire & Smoke Damage – One of the most common homeowner claims.
- Storm & Wind Damage – Hurricanes, hail, and strong winds can severely impact your home.
- Theft & Vandalism – Covers break-ins, stolen belongings, and property damage.
- Water Damage – Some policies cover burst pipes & plumbing issues but may exclude flood damage.
2. What’s Covered & What’s Not?
Typically Covered:
- Fire, wind, and storm damage
- Theft and vandalism
- Personal liability for injuries on your property
Not Typically Covered:
- Floods & earthquakes (require separate policies)
- Routine maintenance issues
- Intentional damage
3. How to Lower Your Home Insurance Premiums
- Install Security Systems – Many insurers offer discounts for homes with alarms & smart security systems.
- Bundle Policies – Save money by combining home & auto insurance.
- Increase Your Deductible – Higher deductibles reduce monthly premiums.
- Maintain Good Credit – A higher credit score can lead to better insurance rates.
4. When Should You Review Your Home Insurance?
- After Renovations – Adding square footage or high-value upgrades may require policy adjustments.
- Before Severe Weather Seasons – Ensure you have adequate coverage for storms & natural disasters.
- When Home Values Increase – Rising real estate prices mean you may need higher dwelling coverage limits.