Protect Your Home, Protect Your Future

At Joel Versh Insurance, we understand your home isn’t just a building, it’s where memories are made. Whether you’re in Irvine, Mission Viejo, South OC or anywhere across California, protecting that investment with the right homeowners insurance is one of the smartest financial decisions you can make.

You work hard to gather your assets, and we work hard to protect them.

What Is Homeowners Insurance?

Homeowners insurance is your safety net when life throws you a curveball. It provides financial protection to repair or rebuild your home and replace your belongings after a covered event like fire, theft, water damage or vandalism. It also helps cover liability costs if someone is injured on your property, and in many cases, even when you’re away from home.

In short, it’s about protecting your home, your belongings, and your peace of mind.

What Does It Cover?

Every policy can be customized, but most standard homeowners policy coverages include protection for:

• The Structure of Your Home (Coverage A) – Repairs or rebuilding after covered damage from fire, water, or vandalism.
• Personal Property (Coverage C) – Replaces furniture, clothing, electronics, and other items if damaged or stolen.
• Liability Coverage (Coverage E Worldwide Protection) – Covers you if someone is injured on your property or you are being held legally liable for something almost anywhere in the world. That means whether an accident happens in your backyard or while you’re traveling abroad, your liability protection can follow you.
• Loss of use (Coverage D or Additional Living Expenses (ALE) – Pays for temporary housing, meals, and living costs if your home becomes uninhabitable due to a covered loss.
• In addition to these standard coverages there are many additional endorsements that can be added for a more robust policy.

 Bonus Tip: If your car is broken into and personal items are stolen, that theft is typically covered under your homeowners or renters insurance — not your auto policy. That’s another great reason to carry renters insurance even if you don’t own your home.

Is Homeowners Insurance Required?

While homeowners insurance isn’t required by law, most mortgage lenders will require it as part of your loan. Even if your home is fully paid off, having coverage in place ensures you’re not left vulnerable when the unexpected happens. Many people think that once the home is paid off, they can cancel the insurance.  

You can…. But you SHOULDN’T!!!!

Think about it this way, you now have no loan on a property worth hundreds of thousands of dollars. Home insurance is a very inexpensive way to protect that equity.

How Much Coverage Do You Need?

The right amount of coverage depends on the cost to reconstruct your home and your belongings. A good policy should:

• Fully cover the cost to rebuild your home,
• Replace your personal property, and
• Provide enough liability protection to safeguard your financial future.

Our team will help you assess your coverage needs, so that you’re never underinsured, never paying for what you don’t need, as well as taking advantage of all the discounts you might qualify for.

Local Expertise. Personalized Protection.

At Joel Versh Insurance, we’re proud to serve our Southern California neighbors with the right balance of local knowledge and personalized service. From Brea to San Clemente and beyond, we’re here to help you protect what matters most, your home, your family, and your future.

📞 Call 888-334-7188 or visit JoelVershInsurance.com to schedule your free homeowners or renters insurance review today.