{"id":764,"date":"2022-11-10T01:22:01","date_gmt":"2022-11-10T01:22:01","guid":{"rendered":"https:\/\/www.centinelainsurance.com\/?page_id=764"},"modified":"2025-06-10T17:01:57","modified_gmt":"2025-06-10T17:01:57","slug":"home-insurance","status":"publish","type":"page","link":"https:\/\/www.centinelainsurance.com\/?page_id=764","title":{"rendered":"Home insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"764\" class=\"elementor elementor-764\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-69dd147 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"69dd147\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-108ea67\" data-id=\"108ea67\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c109657 elementor-widget elementor-widget-heading\" data-id=\"c109657\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Home Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f80f005 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f80f005\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e7b7e4\" data-id=\"1e7b7e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fcab354 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fcab354\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b16f99d\" data-id=\"b16f99d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b89b08 elementor-widget elementor-widget-heading\" data-id=\"3b89b08\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 30px;text-align: center;text-transform: none;white-space: normal\">Home Insurance Basics<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f6aa00 elementor-widget elementor-widget-text-editor\" data-id=\"5f6aa00\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 16px; font-style: normal;\"><b>Whether you&#8217;re at home or away, you want to know that your belongings are protected. That&#8217;s why everyone needs homeowners insurance. It protects your home and belongings in case of fire, smoke, vandalism, theft, hail or similar events. It also covers your personal liability in case someone is injured while on your property\u2014like when the mailman trips over your kid\u2019s skateboard.<\/b><\/p><p style=\"font-size: 16px; font-style: normal;\"><b>It\u2019s important to remember that you will usually have to purchase additional coverage if you want to insure your home in case of flood or earthquake&#8211;luckily earthquakes aren&#8217;t common in Casa Grande and flooding only happens occasionally. Other things that aren&#8217;t covered by most basic policies are pool injuries, damage done by termites, water damage from sewer backups, and sometimes mold removal, depending on the cause of the mold.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0988aed\" data-id=\"0988aed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-051bbd4 elementor-widget elementor-widget-image\" data-id=\"051bbd4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.centinelainsurance.com\/wp-content\/uploads\/elementor\/thumbs\/header-bg-circle-pxfrzjc4m6o2pbtab8yt5wka06ew5bshpqkq5m5u1o.jpg\" title=\"header-bg-circle\" alt=\"header-bg-circle\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e699747 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e699747\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a2981c2\" data-id=\"a2981c2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2039773 elementor-widget elementor-widget-heading\" data-id=\"2039773\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 30px;text-transform: none;white-space: normal\">How Much Insurance Do I Need?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53f82be elementor-widget elementor-widget-text-editor\" data-id=\"53f82be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>The amount of homeowners insurance you will need to purchase depends on a variety of factors. To put it simply, you will need enough to cover the cost of rebuilding your home based on what it is worth today. Depending on the bank your mortgage is with, you may need to purchase enough policy to cover the amount of the mortgage.<\/strong><\/p><p><strong>Some factors that cause the price of your policy to vary are the age of your home, the coverage, limits and deductibles you pick and where your home is located. If you l<\/strong><b>ive in an area prone to severe weather, you may need to pay more.<br \/><\/b><\/p><p><b>The average annual cost in Arizona is $695, or $57.94 a month. To find out what you will pay for homeowners insurance in Casa Grande, give us a call or get an online quote today!<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3acd185 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3acd185\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9b4905f\" data-id=\"9b4905f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-de9cb85 elementor-widget elementor-widget-heading\" data-id=\"de9cb85\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 30px;text-transform: none;white-space: normal\">So How Much Insurance Do I Need?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3d7309 elementor-widget elementor-widget-text-editor\" data-id=\"d3d7309\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>You can estimate how much it will cost to rebuild your house by finding out the average cost per square foot in the place your home is built. Keep in mind that any upgrades your home has, like custom woodwork, arched windows or other specialty features, will cost more to replace. So you will need to buy additional coverage if you want these items to be covered too. Here are some other features that you can add to your rebuilding costs:<\/strong><\/p><ul><li><strong>A finished or partially finished basement<\/strong><\/li><li><strong>Additional rooms<\/strong><\/li><li><strong>Garages or sheds on your property<\/strong><\/li><li><strong><span style=\"font-style: inherit; background-color: var(--ast-global-color-4); color: var(--ast-global-color-3);\">A fireplace or other similar feature<\/span><\/strong><\/li><\/ul><p><span style=\"background-color: var(--ast-global-color-4);\"><strong>Your agent can help you figure out how much your home will cost to rebuild. If you want to get an idea before talking to an insurance agent, you can consult your real estate agent or your local building association. You can also hire a surveyor if you want an exact figure. It&#8217;s important to purchase enough policy to cover the rebuild of your house in the case of total destruction because if you don&#8217;t, you will be the one who has to cover the difference.<\/strong><br \/><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ff56ea3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff56ea3\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-942d665\" data-id=\"942d665\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d503629 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d503629\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5c7c70b\" data-id=\"5c7c70b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c736a41 elementor-widget elementor-widget-heading\" data-id=\"c736a41\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 25px;text-transform: none;white-space: normal\">Replacement Cost Policies<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1006990 elementor-widget elementor-widget-text-editor\" data-id=\"1006990\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Most policies cover replacement cost for damage to the structure. A replacement cost policy pays for the repair or replacement of damaged property with materials of similar kind and quality. There is no deduction for depreciation &#8212; the decrease in value due to age, wear and tear, and other factors.<\/strong><\/p><p><strong>If you purchase a flood policy, coverage for the structure is available on a replacement cost basis.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f659dda elementor-widget elementor-widget-heading\" data-id=\"f659dda\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><h2 data-elementor-setting-key=\"title\" data-pen-placeholder=\"Type Here...\" style=\"font-style: normal;margin-bottom: 0px;white-space: normal\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 25px;text-transform: none\">Guaranteed or Extended Replacement Cost Coverage<\/span><\/h2><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f19a999 elementor-widget elementor-widget-text-editor\" data-id=\"f19a999\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Extended replacement coverage will pay an extra 20 percent or more above your insurance limit if you need to rebuild your home. A <\/strong><b>guaranteed replacement cost policy will pay whatever it takes to rebuild. With guaranteed or extended replacement cost coverage, you will pay more in premiums, but your home will have more extensive coverage.<br \/><\/b><\/p><p><b>If you don&#8217;t have either of these types of coverage and your house burned down, for example, you might get enough money to rebuild your home, but it would only pay for the bare minimum. So if your 3-bedroom, 3-bathroom house was worth $280,000, you might only get $200,000 to rebuild because that is technically what it costs in your area to build that type of house.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b417fd elementor-widget elementor-widget-heading\" data-id=\"8b417fd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><h2 data-elementor-setting-key=\"title\" data-pen-placeholder=\"Type Here...\" style=\"font-style: normal;margin-bottom: 0px;white-space: normal\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 25px;text-transform: none\">Law and Ordinance Insurance<\/span><\/h2><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa5a167 elementor-widget elementor-widget-text-editor\" data-id=\"fa5a167\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Building codes change periodically, so if your house is badly damaged and you are forced to rebuild all or part of the home you will need to make sure that all the new areas that are built are up to code\u2014and this can cost you.<\/strong><\/p><p><strong>A few companies offer policies that will pay for you to have your home rebuilt to code if it&#8217;s destroyed, but that isn&#8217;t the norm. In order to be protected from these extra expenses, you will need to buy law and ordinance insurance in addition to your homeowner policy. It isn&#8217;t that expensive, and it can save you a lot of money if your home is partially or completely destroyed.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3c4ce2d\" data-id=\"3c4ce2d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8ac22e2 elementor-widget elementor-widget-heading\" data-id=\"8ac22e2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><h2 data-elementor-setting-key=\"title\" data-pen-placeholder=\"Type Here...\" style=\"font-style: normal;margin-bottom: 0px;white-space: normal\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 25px;text-transform: none\">Infation Guard<\/span><\/h2><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02579af elementor-widget elementor-widget-text-editor\" data-id=\"02579af\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>As time passes, your home value might decrease or increase depending on a variety of factors. Since your home insurance doesn&#8217;t increase as the value of your home does, you might be underinsured and unable to rebuild your home for what it currently costs. That&#8217;s where inflation guard coverage comes in. It helps you keep up with inflation by increasing the amount your home is insured for by a certain percentage each year. Inflation guard coverage is usually optional, but may be necessary for policies with combined coverage limits of less than $1.5 million.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c08bf8 elementor-widget elementor-widget-heading\" data-id=\"8c08bf8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 25px;text-transform: none;white-space: normal\">What If I Have an Older Home?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-806fd69 elementor-widget elementor-widget-text-editor\" data-id=\"806fd69\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Older homes can be great. They are full of character and unique features that oftentimes aren&#8217;t found in newer constructions. You want to protect the features that make your home amazing and unique, but there are some common factors found in older homes, like old wiring, outdated plumbing, vulnerable roofs or old appliances, that might cause you more in your policy.<\/strong><\/p><p><strong>Replacement cost policies are usually what owners of older homes want to purchase. Instead of giving you cash value for the repairs, a replacement cost policy will pay you the full cost to repair or replace your home, up to your limit.<\/strong><\/p><p><strong>In order to protect you from the unique challenges your older home might present, you may want to add additional protection as well. Luckily, at Gebhardt Insurance, we shop around on your behalf until we find the right coverage for all of your needs.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef41d82 elementor-widget elementor-widget-heading\" data-id=\"ef41d82\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><h2 data-elementor-setting-key=\"title\" data-pen-placeholder=\"Type Here...\" style=\"font-style: normal;margin-bottom: 0px;white-space: normal\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 25px;text-transform: none\">Insuring Your Personal Possessions<\/span><\/h2><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35e23cd elementor-widget elementor-widget-text-editor\" data-id=\"35e23cd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Another great thing about homeowners insurance is that it covers your belongings if they are damaged or stolen. There are two ways that the company can replace your items: actual cash value coverage or with replacement cost coverage. Actual cash value would cover the fair market value of your items (replacement cost minus any depreciation). Replacement cost coverage would pay you how much it would cost you to re-purchase the item at the time of your claim.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f07f2e elementor-align-left elementor-widget elementor-widget-button\" data-id=\"4f07f2e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/bit.ly\/m\/CentinelaInsurance\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-long-arrow-alt-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M313.941 216H12c-6.627 0-12 5.373-12 12v56c0 6.627 5.373 12 12 12h301.941v46.059c0 21.382 25.851 32.09 40.971 16.971l86.059-86.059c9.373-9.373 9.373-24.569 0-33.941l-86.059-86.059c-15.119-15.119-40.971-4.411-40.971 16.971V216z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Quote Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-480459b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"480459b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-812624e\" data-id=\"812624e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f8a9c8 elementor-widget elementor-widget-heading\" data-id=\"4f8a9c8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 30px;text-transform: none;white-space: normal\">Insuring Your Possessions<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da81f35 elementor-widget elementor-widget-text-editor\" data-id=\"da81f35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>You can insure your possessions with an actual cash value policy or a replacement cost policy. A cash value policy factors in depreciation to determine how much money you will get for your damaged or stolen possessions. With a replacement cost policy, you will receive the full amount that it will cost you to replace the item.<\/strong><\/p><p><strong>If you have especially expensive items, like jewelry, furs or expensive equipment, you may need to purchase an additional type of coverage, called a floater or endorsement. This will allow you to insure each expensive item individually or as a collection based on what the item is worth where you live. You can figure out the worth of your item by having it appraised or providing your home insurance agent with a recent receipt.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ffda642\" data-id=\"ffda642\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-217e713 elementor-widget elementor-widget-image\" data-id=\"217e713\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"379\" height=\"298\" src=\"https:\/\/www.centinelainsurance.com\/wp-content\/uploads\/2022\/11\/casaaa.jpg\" class=\"attachment-large size-large wp-image-780\" alt=\"\" srcset=\"https:\/\/www.centinelainsurance.com\/wp-content\/uploads\/2022\/11\/casaaa.jpg 379w, https:\/\/www.centinelainsurance.com\/wp-content\/uploads\/2022\/11\/casaaa-300x236.jpg 300w\" sizes=\"(max-width: 379px) 100vw, 379px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14fde98 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14fde98\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-de047ea\" data-id=\"de047ea\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b3efd7 elementor-widget elementor-widget-heading\" data-id=\"0b3efd7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 30px;text-transform: none;white-space: normal\">Additional Living Expenses After a Disaster<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b784724 elementor-widget elementor-widget-text-editor\" data-id=\"b784724\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>After a disaster you might not be able to live in your home while repairs are being made. Luckily, most home insurance policies cover additional living expenses or \u201closs of use\u201d costs that you incur due to a covered loss. If you rent out part of your home, the income that you normally receive may also be paid to you.<\/strong><\/p><p><strong>Some examples of covered expenses are hotel bills, apartment rent and meals at restaurants. Some policies will only pay for the difference between what your normal bills are and what you had to pay because of the disaster. For example, if you normally pay $400 for food every month and now you have to pay $600, the company will pay you $200.<\/strong><\/p><p><strong>This coverage doesn&#8217;t cover your normal expenses such as gas, electric, water, or your mortgage and it won&#8217;t pay for you to stay in a five star hotel while your home is being repaired. Your additional living expenses will be covered for the shortest period of time required to repair or replace your home.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66e73a4 elementor-widget elementor-widget-heading\" data-id=\"66e73a4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 30px;text-transform: none;white-space: normal\">Liability Coverage<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a222fc5 elementor-widget elementor-widget-text-editor\" data-id=\"a222fc5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Liability coverage is what protects you financially if someone is injured or sustains property damage while on your property. It covers damage that may be done by you, your family members or your pets.<\/strong><\/p><p><strong>Most policies require you to have a minimum of $100,000 worth of liability, but many homeowners purchase $300,000 to $500,000 worth of liability coverage to make sure that there is enough money to cover court costs and any damages that are owed if something happens.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3eedd6 elementor-widget elementor-widget-heading\" data-id=\"f3eedd6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-family: &quot;Source Sans Pro&quot;, sans-serif;font-size: 30px;text-transform: none;white-space: normal\">Umbrella or Excess Liability<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-538db74 elementor-widget elementor-widget-text-editor\" data-id=\"538db74\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>If you are worried that you might need extra liability coverage, you can purchase umbrella coverage, which will provide you with a higher limit than your typical liability coverage. Umbrella coverage is available in amounts ranging from one to five million dollars and can cover things that your normal liability insurance doesn&#8217;t cover, like insurance for libel and slander. Additionally, with excess liability coverage, you can be covered on or off your property, anywhere in the world.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-84f7ef2 e-flex e-con-boxed e-con e-parent\" data-id=\"84f7ef2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7c17f7b e-flex e-con-boxed e-con e-child\" data-id=\"7c17f7b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7db7324 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7db7324\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/bit.ly\/m\/CentinelaInsurance\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get A Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Insurance Home Insurance Basics Whether you&#8217;re at home or away, you want to know that your belongings are protected. That&#8217;s why everyone needs homeowners insurance. It protects your home and belongings in case of fire, smoke, vandalism, theft, hail or similar events. It also covers your personal liability in case someone is injured while [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-764","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/764","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=764"}],"version-history":[{"count":10,"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/764\/revisions"}],"predecessor-version":[{"id":1274,"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/764\/revisions\/1274"}],"wp:attachment":[{"href":"https:\/\/www.centinelainsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=764"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}