Do you need homeowners insurance for your house in California? We can help you find the best possible coverage to protect your home and all of your valued items in it! Montecito Insurance offers competitive homeowners insurance rates and provide…

Homes in Santa Barbara and Montecito are unique in the insurance world, as they are considered "high value homes" and require extra coverage to compensate for the higher value furnishings, construction materials, and high end craftsmanship. Since special care must…

There are many things to consider when planning additions or renovations to your home. With the excitement (and possibly, stress) of improvements to your home, don't overlook the possible impact that these changes may make to your home homeowners' insurance.…

When purchasing a home owner's policy, the hope is that you won't need to use it! However, damages do occur and when they happen to you your insurance policy steps in to help. When damage or loss of your home…

In addition to basic property coverage included in your home owners policy, if you own high-value items such as Jewelry, Art and Antiques, Firearms, Furs, Musical Instruments, Silverware, Hearing Aids, Cameras, Coin and Stamp Collections, etc, you may want to…

As anyone who has experienced the loss of their home and property will tell you, making an inventory of your belongings AFTER they are gone can be extremely difficult and stressful. While it may seems tedious and unnecessary, a complete…

For financially successful individuals with a great deal of wealth invested in their home, the coverage needs may differ from that of a typical home owner. In addition to the higher value of the home, the liability risks are often…

The more wealth you have invested in your home, the higher the risks involved in the case of damage, theft, or loss. If this is the case, traditional home owners insurance may not be enough to protect your high value…

While homeowners policies can vary, they typically all offer coverage for the following: Dwelling Protection As any homeowner knows, a variety of things can happen to cause damage to a home. A basic coverage of your homeowners policy is to…

Many homeowners are unaware that their home insurance policies may not cover them at all while the home is under construction. Home insurance policies are written by insurance companies who assume the home will be occupied daily. Deep inside the…