Lines of Insurance

“Patty Garcia is all the following - she has the ability to shop the product(insurance) to find the best coverage at the best price, she is extremely professional and also takes the time to explain and educate on the intricacies of one’s policy or policies – what to do and not to do. When I got into a jam with my policy, Patty was there everyday at 7am working to resolve the issue, with updates to keep me in the loop and she had everything under control in 3 days as opposed to nothing resolved in 6 weeks with the previous broker.”
Go Patty!!!

Chinee G.
Palo Alto

Lines of Insurance

Homeowners Insurance

Home insurance depends on many factors such as occupancy, location, size, age and condition of the property.  It is important to keep in mind that you want to insure the property for the amount required to replace the home in the event of a total loss; market value and replacement value are often different.

  • Homeowners
  • Homes up to $1,000,000 in value
  • Home between $1,000,000 and $2,000,000 in value
  • Homes above $2,000,000 in value
  • Dwelling Fire
  • Secondary Residence
  • Rental Property
  • Condo
  • Renter’s
  • Manufactured Home
  • Flood Insurance
  • Earthquake Insurance

Homeowners Insurance FAQ’s

Q: What is homeowners insurance?
Q: What do I need to know when purchasing homeowners insurance?
Q: What is replacement cost”?
Q: Is my personal property covered?
Q: Should I purchase earthquake coverage?
Q: Should I purchase flood coverage?


Q: What is homeowners insurance?

A: Homeowners insurance is a form of personal lines insurance. The typical homeowners policy has two main sections:
1) covers the property of the insured and
2) provides personal liability coverage to the insured.


Q: What do I need to know when purchasing homeowners insurance?

A: Get the amount and type of insurance that you need.
Determine the amount of personal property insurance and personal liability coverage that you need.
Select any additional endorsements you want to add to your policy, your insurance professional can go over specific the options available.


Q: What is replacement cost”?

A: When “replacement cost” coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.


Q: Is my personal property covered?

A: Coverage C, provides worldwide coverage of your personal property, subject to deductible, sub-limits for certain categories and exclusions.


Q: Should I purchase earthquake coverage?

A: Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider purchasing an earthquake policy. .


Q: Should I purchase flood coverage?

A: Over the past several years, we have experienced drastic changes in our weather patterns causing floods in areas that were previously unaffected. Keep in mind that any area can flood, but if your property is located in a flood zone, you may be required, by your lender, to purchase Flood Insurance. Ask me and I will be able to best assist you.