Save time, money and get peace of mind with your personalized Homeowners, Dwelling, Landlord Insurance quote from TCS Insurance Brokers.
As Insurance Brokers we can offer many Top Quality Regional, National & International insurance options. With basic Dwelling Property 1 for Vacant Property, Dwelling 3 for Landlord Rental & Airbnb Vrbo Property, to Homeowners 3 special and Homeowners 5 comprehensive for live-in homes. We take all the insurance jargon and translate it into simple to understand terms. So that you can make an informed decision on how to protect your properties.
What’s the advantage of using an insurance broker?
We work for you and it’s our job to fully understand the insurance contracts (aka Policies) that are available in the market. With our extensive knowledge and research you will only be presented with solutions that work for you.
We compare and contrast insurance companies to make sure you get the best coverage when you need it. We ask the important questions up front to make sure nothing is unanswered. And because we represent multiple carriers, we have a vast knowledge of the internal inner workings of each company. We understand their claims practices which is key knowledge that we often use when an accident occurs and our clients require our assistance.
What are coverages in home insurance?
Home insurance covers sudden and accidental damage for just about everything except what is excluded. Flood & Earthquake damage are covered on their own policy or on a limited basis on a modified home policy.
When looking at a home insurance declarations page you might see the following:
Dwelling is the coverage for the main structure and anything that is permanently attached.
Other Structures covers any detached structure such as a shed, fence or detached garage.
Personal Property is coverage for any items that can be removed from the property. Such as clothing, appliances and electronics. High value items & jewelry are also included here but at a limited basis unless endorsed onto the policy.
Loss of Use / Loss of Rents pays for temporary housing while your live-in home is being repaired after a covered loss. For a landlord it replaces the loss rent while covered repairs are being completed and the tenants cannot reside in the house.
Personal Liability protects you from lawsuits of injury or damage caused to a third party or to their property. Such as when a guest slips and falls while in or around the premises. Or when you, your spouse or under age children physically hurt another or damage another’s property. – Personal Injury protects you from libel and slander suits. For landlords it protects from tenant vs. landlord issues.
Medical Payments reimburses you for emergency expenses you incur when a guest gets injured while in or around your property.
A Deductible is the amount that will be reduced off the payout the insurer will give you for a covered loss. It is not something you pay to the insurer when a claim happens.
Extended Replacement coverage is something that has to be added to your policy to extend the coverage provided. However, this type of coverage only applies when a specific set of circumstance occur. For example, when there are multiple fires in the same area and building costs go up because of this catastrophic loss.
Ordinance & Law coverage is something that has to be added to your policy to cover building code required repairs or upgrades after a covered loss. Such as when the City requires for a fire suppression system to be installed in the kitchen after a fire in order to approve the permits. – Remember, that your HO insurance pays for what is already there and not what is required to put your home up to code. These expenses are 100% your unless you purchase this additional coverage.
Water Back Up is an additional coverage that you can purchase to pay for damage caused by water backing into you home.
Seepage & Hidden Water Leak is a newer coverage that can be purchased to provide a limited amount of protection for hidden water leak damage. – Remember that insurance will only pay for losses caused by something that happened Suddenly and by Accident. Leaks & Seepages are usually excluded on a home policy.
Mechanical Breakdown is like having a home warranty built in to your policy. It is also an optional coverage and it pays for repairs to your home’s mechanical systems. Such as your Boiler, HVAC and some major appliances.
If my home is older, does it qualify for home insurance?
Absolutely! We have programs that can insure live-in and rental properties built 1900 and newer.
If the home’s systems (Heating, Plumbing, Electrical, Roof) have been updated within the last 20 years, you can qualify for the best programs available. When requesting a quote from us we will ask about this to make sure you receive the best options.
I was told I’m in a high risk “Wildfire Area” or “Brush Zone”, can I get regular insurance?
Yes! The insurance industry is evolving and insurers are hard at work revamping their risk maps to make sure they can properly rate and offer coverage in more areas. We happen to represent most of those top companies. Just click, enter your information and let us show you what we can do!
Should I let my mortgage lender choose my home insurance?
Home insurance policies are fully customizable and what you find important to cover the next person may not. So we recommend to NEVER let your mortgage broker, lender, loan officer, bank or any other person or entity choose the policy that is right for you.
Even if your lender is the one paying, it is your right and responsibility to choose the insurance coverage that meets your unique needs.
If you have a tight loan budget, you can still manage to get the appropriate coverage without having to drop important parts of your homeowners insurance. Just reach out to us and let us know, we are here to make sure you know what you bought and that you pay what you are comfortable with!
Can I change my home insurance at anytime?
Yes! You can choose to change your home insurance at anytime even if it’s included in your loan.
We recommend that you do NOT cancel your current insurance until you have locked in replacement coverage.
If the home insurance is paid by your lender, we make sure that we communicate directly with them to update their records and request/receive prompt payment.
Does TCS have home insurance solutions for high risk areas?
Absolutely! California has been going through an insurance crisis since 2023 but we’ve managed to stay ahead and build relationships with a multitude of insurers that are ready and whiling to insure where others have stopped.
Properties in new developments can be a bit difficult to find solid insurance for too, but we have solutions! Just complete the formal quote request and provide us all the details so we can pre-qualify you for the perfect coverage.
Does TCS offer coverage in Tracy Hills, Ellis, Mountain House?
We are experts in Tracy & Mountain House homeowners insurance! We understand what the insurance companies are looking for and we safeguard your time by only providing you with approved home insurance quotes.
Just complete the formal quote request and provide all the details so we can pre-qualify you for the perfect coverage for all our zip codes, 95376, 95377, 95378, 95304, 95391.
Should I bundle my homeowners insurance?
Bundling home insurance with auto insurance can sometimes save you a few dollars but is it really worth it?
Here’s a couple examples of when bundling may end up hurting you:
- Insurers hide higher pricing in bundles. Many times we come across “bundles” where the savings on the auto ended up being paid back on the homeowners policy premium. Meaning, the auto was a great price, but the home was priced well above what it would cost by itself with another insurer.
- Quality or lack there of is hidden in bundles. While the auto insurance may have the best towing service ever with low deductibles, the home insurance policy offered by that same company may end up being very basic and sometimes inferior to what you could of bought elsewhere.
Our advise is to always look at all the scenarios and always confirm what you are gaining or losing before you purchase.
We only bundle with the same company when it benefits you in every way. Often, we find ourselves bundling under our agency but with the 2 or 3 different carriers. For example: Auto is with ABC Ins, the Home is XZY Ins and the Umbrella is with 123 Ins. All are receiving an “Agency Bundle” discount and collectively are priced a lot better than having insured all under one single insurance company.
TCS Insurance Brokers is all about offering the best choices to our clients.
Allow us to be your insurance expert so that you can focus and enjoy on what’s important in your life!
If you are a do-it-yourself kind of person then you might want to look into our instant quote tool that allows you to quickly quote & purchase Renters Insurance. 
Our help is just a click away. Contact us and get expert help with your home insurance, rental property insurance or renters insurance.