Home Insurance

A house is not only a valued asset but also the heart of your daily life. If your home is damaged, you need to have the claim settled by an insurance provider that recognizes how the process flows. Giddings Agencies can help you get a home insurance policy that best satisfies your demands and offers quality service, sensible pricing, and customized coverage.

Whether you rent or own, insuring the property you live in is worth every coin as it can help you financially if you suffer a loss due to vandalism, theft, fire, or other covered incidents. Furthermore, supposing a person gets injured while in your building and wins a legal judgment against you. In that case, this cover protects you.

Remember that home insurance covers differ based on the covered losses, the chosen residence type, and the coverage you select. It is essential to pick a policy that fits you best. You can either pick a comprehensive policy covering losses resulting from burglary, falling objects, vandalism, hail, smoke, and fire, or a cover that caters to only particular losses.

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Click the hotspots on the map & view risk factors & solutions.

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

homeowners’ insurance Murrieta

Your Home

Risk Factor

Your home is where you live life with your loved ones. Losing it would could cost you more than you know.


It is vital that you ensure that your policies are adequate and will cover your losses & liabilities should the unthinkable happen. A solid homeowners policy should cover you from foundation to roof, as well as any potential property issues.

Medical Expenses

Risk Factor

It is possible that you may be required to pay any medical expenses incurred by a guest while on your property, even if it is caused by a friendly game of baseball.


Medical expenses coverage should be included in your homeowners policy to cover minor injuries and treatments. Having your own insurance coverage allows you to claim injury-related medical expenses in the event a person is injured on your property. A liability claim is usually not necessary to pay for medical expenses.

Fire & Smoke Damage

Risk Factor

As prepared as we may be for some events, fire is almost always devastating. The cost of temporary housing, replacement of possessions, and home repairs can be financially draining. 


Replacement cost coverage without a cap should be included in your homeowners policy. If the reconstruction costs exceed your current coverage limit, you are protected. You should also ensure that your homeowners insurance covers the cost of rebuilding your house. Eventually, local building codes and ordinances may change, which could increase costs.

Personal Liability

Risk Factor

Your family and you may be responsible for injuries resulting from a slip and fall on your property.


In the event that you are deemed negligent in an incident resulting in an injury or damage to a third party, your homeowners policy includes personal liability coverage. To protect your assets against a lawsuit, you may wish to consider purchasing an umbrella or excess liability policy.

Personal Property / Damaged Property

Risk Factor

In the event of an unexpected event causing damage to your home, your personal property is also at risk. It is also possible to damage or destroy personal items such as furniture, appliances, clothing, electronics, and other items.


The contents of your home as well as other personal items that are in your home or owned by family members are often covered by homeowners insurance. Replacement cost coverage should be included in your homeowners policy so that you will always receive the full amount to replace damaged personal property.

Water Damage

Risk Factor

It is water damage that causes the most loss to a home, whether it enters from outside or from within your plumbing system. In many policies, losses due to backups of sewers or drains are not covered, and flood damage is not covered by most unendorsed homeowner policies.


The best way to prevent water damage to your home and belongings is to conduct a careful review. Insurers should provide coverage that includes sewer and drain backups. Assess whether you can prevent flood damage by identifying cost-effective solutions.

Umbrella/Excess Liability Coverage

Risk Factor

Having a backyard pool is a great way for guests to enjoy your outside spaces, however sometimes the unexpected happens and injury occurs. 

When this happens it can lead to unexpected legal expenses and heavy financial liability. Have you considered the monies required to cover such an event? 


Your personal liability limits are increased by adding an umbrella or excess liability policy over and above your current auto, boat, or homeowner's policy-providing you with real financial value and priceless peace of mind. A homeowners policy endorsement or separate coverage for excess liability is available.

Click the hotspots on the map & view risk factors & solutions.

Home Insurance Coverage

Giddings Agencies works with you to get a home insurance policy for your requirements, whether you are a landlord, renter, condo, or homeowner. We ensure the process is effortless so that you pick the coverage that offers you the best value. A home insurance policy features specific options, and several factors determine the amount to pay. These factors include:

The Amount You Want to Cover

Higher deductibles often decrease your premium price by shifting a section of the damage payment to you.

Your Selected Policy Options

Home insurance options are individually priced, meaning the amount you pay comes down to the coverage you wish to buy.

Your Policy's Set Coverage Limits

You might opt to set higher limits than the recommended amount if you find it appropriate to your requirements and situation.

Find the Ideal Home Insurance Policy

Well, several aspects determine the ideal home coverage. Consider your housing scenario and the assets you wish to secure. The right coverage policy covers the following:

Protection for Your Property

This policy caters to repairs and rebuilds done to your house in the event of destruction by an insured incident like a windstorm or kitchen fire.

Protection for You and Other Individuals

This cover comes in handy when someone is injured or their property is destroyed, and you are to blame. Therefore, it’s essential to consider things like the assets you own and how much you make when selecting your coverage limits. The coverage limits need to be sufficiently high to secure your assets if you are sued.

Extra Living Expenses

Suppose you cannot live in your house due to a covered loss. In that case, a home insurance policy might cover extra living expenses for a certain period as the damage is examined and necessary repairs and reconstructs are done.

Medical Coverage

This coverage caters to visitors if they are injured in your house. In some instances, it caters to the individuals injured off of the building.

Protection of Your Items

Your house has electronics, clothes, furniture, and other valuable items. A home insurance policy can help you replace these items if they are destroyed, stolen, or lost due to a covered loss.

A Scheduled Property Coverage

If you own unique possessions like art, jewelry, collectibles, and antiques, you can inquire from us about extra coverage. We have a policy that covers specific items.

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Use form or Contact Us at 888-766-4437 or info@giddingsagencies.com