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Hanford

450 Kings County Dr. #101
Hanford, CA 93230

p:  559-512-7579
f:   559-582-3903

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Morro Bay

800 Quintana Ave. #1A
Morro Bay, CA 93442

p:  805-214-6791
f:   805-772-6906

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Property Insurance

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Mackey and Mackey, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home and personal property  from the following types of damage:
  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Theft
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative at Mackey and Mackey who can help you find the right policy.

Flood or Earthquake Insurance are not provided under a standard Homeowners policy. In the event of a natural disaster, you may find yourself without the ability to repair or replace the home you’ve worked so hard to provide for your family. Mackey and Mackey offers policies that allow you to recover from these unpredictable events and will provide you the peace of mind knowing that you and your home are protected.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident damages your home this important coverage provides for the cost of replacing your home just like it is. Mackey and Mackey also recommends and offers Ordinance & Law Coverage, another important protection that covers the costs of rebuilding your damaged home to current building codes and city ordinances.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Mackey and Mackey before making a decision.