Home Insurance

Homeowners Insurance:

Homeowners Insurance can help individuals to feel safe and protected in their home. At the Alexander Felix Insurance Agency, we understand the importance of customizing each homeowner insurance policy to meet the exclusive needs of both the home and the homeowner.

Homeowners insurance will cover the costs to rebuild your home and replace personal property after a covered loss, such as a fire or natural disaster. It will also provide liability coverage in the event someone accidently gets hurt as a result of your negligence and decides to sues you. How do you decide how much homeowners coverage to purchase though?

If you would like to know the type of protection you could get, please sign up for a quote here:

How much Coverage do I need for my Home:

You will want to keep the following in mind when selecting Homeowners Insurance coverage limits for you and your property. Please read through the following to ensure that we can help you select the best coverage possible:

  • 1. Cost to rebuild your home

  • The Insurance companies we use will estimate your home replacement value based on costs of local labor, readily available materials, additions you may have built, age of the house, etc.

  • 2. Value of your personal property

  • Furniture, clothing, electronics, etc... this type of coverage will pay to repair or replace your belongings due to a covered loss, such as fire or theft in your home.

  • 3. Note unique/new features in your home

  • Please be sure to list any additions, renovations, or unique features of your home to insure that they will be covered in the event of a loss.

  • 4. Consider additional living expenses

  • Costs needed to live elsewhere in the case that your home is uninhabitable with main categories including housing, food, clothing, transportation, and miscellaneous costs of daily living.

  • 5. Personal liability

  • Financial protection for you and your family. Pays for claims of bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Coverages for your Homeowners Policy:

Homeowners Policy:

  • Dwelling Protection – Covers damage to your home due to fire, lightning, smoke, storm damage, vandalism and other perils. It is important to purchase enough dwelling coverage to cover the cost to rebuild. Learn more about the cost to rebuild you home by having us run a cost estimator based on your specific home features.

  • Extended Replacement Coverage – Depending on the carrier will pays up to the policy limit to replace a damaged home in the event of a total loss.

  • Other Structures – Pays for damage to detached structures like garages, sheds, fences, and landscaping that are at the insured location .

  • Personal Property – Pays for property damaged by a covered loss subject to your policy limits and deductibles. Special limits apply to certain items such as jewelry, watches, furs, and silverware.

  • Additional Living Expenses – Provides coverage for living expenses if your home becomes uninhabitable as a result of a covered loss.

  • Personal Liability Protection – Helps protect your assets and cover your defense costs in the event of a lawsuit, because you or your family members are responsible for causing injuries or damage to other people or their property.

Contact Information:

Alexander Felix Insurance Agency

Hablamos Español

807 S Gaffey St

San Pedro, CA 90731

CA Producer LIC 6005348

IL Non Resident Producer LIC 18660369

424-536-3091 (Office)

424-536-3092 (Fax)

Office Hours:

Monday - Friday: 9AM - 6PM

Saturday & Sunday: Closed

Holidays: Closed

After Hours Available by appointment only.