David B. Sydney Insurance Agency

Insurance…Let Us Explain It To You

67 Red Hill Ave
San Anselmo, CA 94960

Phone: 415-258-1703

Home Insurance – Protecting Marin County & California Homeowners with Low Cost Quotes

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. We can help you find the insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance for All Kinds of Homes

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

California – What you need to know about homeowners insurance besides the cost

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Types of homeowners’ coverage

Most California Homeowner or Condo or Renters policies today are written with Replacement Cost Coverage for both the building and the possessions inside, as opposed to Actual Cash Value Policy Coverage (ACV).  ( ACV coverage considers the current market value of an item based on its age and condition. So, if you purchased a television for $400 four years ago, the value today would be significantly less than it was when you purchased it. ACV coverage would depreciate the item’s value to determine the current value.)  Full replacement cost considers the current cost to replace an item.

Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Many people find it helpful to use their digital camera, and download the inside photos onto a portable drive.  Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique, as are the people who live in the Home – talk to us today to find out how to get the best price and value on homeowners insurance for you.  We represent a number of insurance companies, to offer you the best fit with low price and appropriate coverage.  Here in Marin County, nobody wants to pay more than they need to for comprehensive Homeowner Coverage, and we’re committed to getting you the best value for your dollars.

Get a Quote

Get a quick comparative quote using our online form or call us at 415-258-1703.

Get a Quote Online Call 415-258-1703

Featured Carrier

We’re proud to feature several fine insurance companies, including Safeco. Ready to quote and buy insurance online? Click below to start!