Homeowner's Insurance Coverage

Most homeowner's insurance policies provide coverage for your home, its contents, and other structures such as a garage or shed. In addition, coverage is provided for personal liability, medical expenses of others which result from injury on your premises. Loss of use is also included in your policy.

Personal property is typically covered against fire, lightning, theft, windstorms and hail, smoke, burst pipes, damage from falling objects, and damage caused by weight of snow and ice.

Renters Insurance Coverage

Typically if you rent, whether it be a home or an apartment, your property is not covered in the unfortunate event of theft, fire or other losses and damage. Renters coverage protects your belongings. Our policy also includes loss of use, liability and medical expenses of other while on your premises.

Please call or e-mail Terry Hayes Insurance Agency to determine the coverage that best fits your needs. We are happy to explain each coverage and how it might apply. Our agency professionals tailor the coverage to fit your situation. We provide comprehensive coverage for your most prized possessions, including special coverage for jewelry, paintings, antiques, cameras, and just about any kind of collectable or fine art.

The Terry Hayes Insurance Agency serves the home, auto, and business insurance needs of individuals, families, and businesses in California