To speak with a licensed insurance agent, call (760) 347-0800 (TTY 711 M-F, 9am-5pm) or email

Mel's Insurance Services, Inc.

Home Insurance

(760) 347-0800 //

Home Insurance

Protecting You and Your Home from the Unexpected

Learn more about your coverage options and available discounts by working with one of our experienced agents!

Protecting your home and property with the right insurance coverage is crucial. Homeowners have a variety of insurance services to choose from, and understanding your home insurance is essential to ensure you have the necessary coverage. Homeowners insurance can assist in covering the costs of repairing or reconstructing your house and replacing your possessions in the event of common disasters such as fire, lightning strikes, tornadoes, or burglaries. It can also offer protection in case of a lawsuit resulting from an injury on your property, such as if your pet bites a visitor or if a tree from your property damages someone’s car.

Understanding Your Homeowner’s Insurance

What does homeowner’s insurance cover?

Homeowner’s insurance offers coverage for damage caused by various incidents. This includes natural disasters like fire, windstorms, and earthquakes. It also protects against theft, vandalism, and liability claims if someone is injured on your property. This includes, but may not be limited to, the following items:

  • An aircraft, car or other vehicle
  • Explosions
  • Falling objects
  • Fire and smoke
  • Lightning strikes
  • Theft
  • Vandalism and malicious mischief
  • Some types of water damage
  • The weight of ice, snow and sleet
  • Windstorms and hail


What are the various types of homeowner’s insurance available?

Homeowners can choose from different types of insurance. These include condo insurance, renter insurance, and umbrella insurance, depending on their specific needs. In the majority of states, basic home insurance plans provide four major kinds of coverage.

  • Dwelling coverage can help pay for the repair or reconstruction of your house if it is damaged or destroyed.
  • Personal property coverage can assist with the costs of repairing or replacing your possessions if they are damaged.
  • Liability coverage can help secure your financial assets if you are responsible for an injury or property damage.
  • Additional living expenses coverage can assist with the costs of rent, food, and other increased costs that may occur if you need to live elsewhere while your house is being repaired.


How much home insurance do I need?

The amount of home insurance you need depends on various factors, such as the value of your home, the cost to rebuild, and the value of your personal property. It is recommended to consult with an insurance agent in order to determine the appropriate coverage for your specific situation.

In addition to estimating the cost to rebuild your home, consider how much it will cost to:

  • Replace your belongings
  • Defray additional living expenses if you can’t live in your home
  • Protect your financial assets if you are sued


As your local insurance agents, we can discuss other aspects that may factor into the amount of coverage you choose. We are your local resource for home and auto insurance and much more.

Give us a call today at to get your questions answers, get a no-obligation quote, obtain the right coverage, and learn more about available discounts.

Get Free Assistance

Friendly, licensed professionals are available to answer all of your questions at no cost to you. Call (760) 347-0800 or complete the form below and we’d be happy to reach out to you.

      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

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