Homeowners Insurance

We've been building affordable homeowners insurance for over 20 years now,

protecting our members, their families, and their assets.

Don't be unprotected from the unexpected.

There is no place like home. And, as one of the most important purchases you'll ever make, your home needs a solid insurance plan that offers protection from all kinds of unforeseen events. The professionals at AA Lares Insurance Services have decades of experience in helping homeowners in California protect their biggest investment.

We work with some of the most respected insurance companies in the nation in obtaining the best possible policy for you, at the most competitive price. Simply give us your information and the features you want, and we can start constructing the right plan for you. Along the way, we'll share valuable tips, such as how to create an inventory of your possessions using photos or video - it's a great way to document what you own.

UNDERSTAND YOUR HOMEOWNERS POLICY

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Replacement Value of Your Home - Extended Replacement Cost coverage can be added to your policy, ensuing your home is rebuilt to its pre-loss appearance with the same standards and quality of materials used originally.

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Personal Property - Optional Replacement Value coverage ensures your personal property is replaced at full value - so no matter how old your items are, no deductions for depreciation apply. Our experts advise that this coverage shouold be selected on an "all-risks" basis. Also, we recommend you included expensive possession (such as jewelry, collectibles, and art) in a separate list.

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Personal Liability - The appropriate amount of Personal Liability coverage to include in your policy may vary depending on the value of any assets you may own. We can help you determine what you need.

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Special Coverage - If you have high-risk assets such as fences, pools, outbuildings, etc., they may have only minimal coverage under a standard Homeowners policy. We can help ensure you have sufficient protection. You may also want to consider a separate Flood policy if your home is in an area prone to flooding, as Homeowners insurance does not cover this risk.

OUR PROTECTION PARTNERS