Hoover Agency

Homeowners Insurance


Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

At Hoover Insurance, we shop around and guarantee you the absolute LOWEST rates. Also, you will receive PROFESSIONAL service from our trained agents while receiving fast and reliable coverage for your home. Call now for a free quote 1-818-370-6085.

The Homeowner Insurance of choice!

Call Now (818) 370-6085

What kind of damages does a basic homeowner’s policy cover?

Most basic policies protect against damage from: Fire and lighting, Windstorm and hail, Explosion, Riot and civil commotion, Aircraft Vehicles, Smoke, Vandalism and malicious mischief, Theft, Damage by glass or glazing material that is part of a building Volcanic eruption. You can also step up coverage to include: Three kinds of water-related damage from home utilities or appliances Weight of ice, snow, and sleet Electrical surge damage Falling objects Protection is subject to policy limits and deductibles can vary.

What if I’m found liable for injuring another person?

As long as the injury was not due to your negligence and was not intentional, your homeowner’s policy should cover any medical bills and legal expenses, up to the liability policy limits.

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