Buying a home in Los Angeles is exciting—but protecting your investment is just as important. Home insurance ensures your property and belongings are covered against risks like fire, theft, and natural disasters. The Stephanie Younger Group breaks down 5 simple steps to help you determine the right coverage.

1. Know What Home Insurance Covers

Standard policies include:

• Dwelling coverage – Protects your home’s structure
• Personal property coverage – Covers your belongings
• Liability coverage – Protects against injuries on your property
• Additional living expenses – Pays for temporary housing if your home is uninhabitable

2. Calculate Your Home’s Rebuilding Cost

Coverage should reflect the cost to rebuild your home, not just its market value. In Los Angeles, construction costs are higher, so it’s important to have adequate dwelling coverage.

3. Inventory Your Belongings

List your personal items with estimated values. For high-value items like jewelry or artwork, consider additional coverage or separate policies.

4. Account for Local Risks

Los Angeles homeowners face unique challenges:

• Earthquakes – Usually require separate coverage
• Wildfires – Fire protection is essential
• Flooding – Consider a separate flood policy

5. Set the Right Deductible and Coverage Limits

Choose a deductible that balances affordable premiums with manageable out-of-pocket costs. Work with a trusted insurance agent to ensure adequate protection.

Protect Your Los Angeles Home with the Stephanie Younger Group

Your home is a major investment. The Stephanie Younger Group can connect you with top insurance professionals and guide you through coverage decisions, giving you peace of mind.

Buying or selling in Los Angeles? Contact the Stephanie Younger Group to make sure your home is fully protected!