Alyssa Lane
Wawanesa offers customizable and affordable homeowners insurance that covers loss or damage to your home and your belongings. Their basic homeowners insurance policy protects your home and personal belongings from loss or damage and includes liability coverage. Wawanesa's insurance covers common perils like burglary, fire, storm damage, and other specific risks. They also offer add-on coverage for high-value items like artwork and jewelry. However, it's important to note that coverage options may vary by state, and it's always recommended to review your policy thoroughly to understand what is covered and what is not. While Wawanesa does not provide information specific to Lake Arrowhead, their homeowners insurance is available across the United States, and customers have praised their award-winning customer service.
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What You'll Learn
Wawanesa's basic homeowners insurance policy
The policy includes liability protection, which covers legal or medical expenses if someone is injured on your property or if you or a family member damages someone else's property. Depending on your policy, it may pay towards repairs, medical bills, court fees, or legal judgments. If your home becomes temporarily uninhabitable due to a covered loss, Wawanesa's basic policy will provide additional living expenses (ALE) to help with temporary accommodations, such as rental properties, hotel rooms, and meals.
While Wawanesa's basic homeowners insurance policy provides adequate protection for most homeowners, the company also offers optional coverages to tailor the policy to your specific needs. You can adjust your personal property limits based on the value of your assets and explore additional options like business property coverage or earthquake damage protection.
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Customizable coverage options
Wawanesa offers customizable coverage options for homeowners insurance, allowing you to adjust your policy to match your unique needs. You can start by answering their initial eligibility questions online, which takes less than 3 minutes. Here are some of the customizable coverage options available:
Basic Coverage
A basic homeowners insurance policy from Wawanesa provides coverage for your home and personal belongings from loss or damage. It also includes personal liability coverage, which protects you if someone is injured on your property and takes legal action. This basic coverage also insures detached structures like sheds, garages, and fences, as well as your belongings, such as furniture, electronics, and clothing.
Living Expenses
If your home becomes uninhabitable due to a covered incident, Wawanesa's homeowners insurance provides financial assistance to help with living expenses such as rental accommodations, hotel rooms, and meals. This coverage ensures that you can maintain your standard of living even when temporarily displaced.
Medical Payments Coverage
In the event that a guest or someone who is not a member of your household suffers an injury on your property, Wawanesa's homeowners insurance covers their medical expenses. This includes ambulance rides, visits to the ER, hospital stays, and other medical bills. It provides peace of mind knowing that your guests are taken care of in the event of an accident.
Endorsements and Riders
Wawanesa allows you to add endorsements or riders to your standard homeowners policy. These are additions or modifications that can increase coverage limits for specific items, add protection for events not typically covered, or provide other customized benefits. For example, you can include identity fraud and home cyber protection coverage or add more coverage with their Special Limits Enhancements package.
Supplemental Insurance
Wawanesa offers supplemental insurance that extends coverage beyond the standard policy. This allows you to further customize your coverage to protect against specific risks or enhance your security. For example, you can purchase a separate earthquake policy in partnership with the California Earthquake Authority (CEA) or add business property coverage.
Discounts
Wawanesa offers various discounts that can help make your homeowners insurance more affordable. These include non-smoker discounts, sprinkler protection discounts, water alarm discounts, burglar alarm discounts, claims-free discounts, loyalty discounts, and multi-policy discounts. By taking advantage of these savings opportunities, you can lower your overall home insurance costs.
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Discount opportunities
Wawanesa offers customizable coverage, easy claim handling, and various discounts in different states. The company is known for its affordable rates and award-winning customer service.
Non-smoker discount
If all residents in a home do not smoke, this unique discount can be added to the policy.
Sprinkler protection discount
This discount is applicable if the home has automatic sprinklers in the main areas, such as the kitchen and bedrooms, that help reduce fire risk.
Water alarm discount
If your home has a water leak detection device that has been professionally installed and has its own automatic shut-off valve, you are eligible for this discount.
Burglar alarm discount
Homeowners with a connected theft alarm system could qualify for this discount.
Multi-policy discount
Depending on your state, bundling your home and auto insurance policies could qualify for a discount of up to 20% off.
Claims-free discount
If you have not made any claims, you may be eligible for a discount.
Loyalty discount
Being a loyal customer can also help you save on your premium.
Other Discounts
Wawanesa also offers other discounts that vary by state, helping customers save even more on their homeowners insurance premiums.
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What isn't covered
Wawanesa's homeowners insurance provides financial compensation in case of common perils like burglary, fire, storm damage, and other specific risks. However, there are certain exclusions and limitations to what is covered by the policy. Here are some things that are typically not covered by homeowners insurance:
Water Damage in Certain Scenarios:
Homeowners insurance covers water damage resulting from sudden and accidental causes, such as a burst pipe or a malfunctioning appliance. However, it usually does not cover damage from a slow leak, which is considered the homeowner's responsibility to repair. Additionally, flooding or water backing up from an outdoor sewer or drain is typically excluded from coverage unless you purchase additional protection.
Mold Damage in Certain Circumstances:
Mold coverage in homeowners insurance is conditional. It typically covers mold resulting from accidental water discharge or overflow within walls, ceilings, or floors. However, it generally does not cover mold damage caused by high humidity, leaky plumbing, flooding, or maintenance issues and neglect over time.
High-Value Items and Special Belongings:
Basic homeowners insurance policies may not adequately cover high-value items such as jewelry, artwork, bicycles, musical instruments, coins, and other special belongings. Wawanesa offers the option to schedule personal property for these items, insuring them up to their appraised value.
Earthquake Damage:
Earthquake coverage is typically not included in standard homeowners insurance policies. Wawanesa offers the option to purchase a separate earthquake policy with various coverage options and deductibles in partnership with the California Earthquake Authority (CEA).
Identity Fraud and Home Cyber Protection:
Identity fraud and home cyber protection are not typically included in standard homeowners insurance policies. However, Wawanesa allows you to include these as add-ons to your home insurance policy for enhanced protection.
It is important to note that insurance policies can vary, and specific exclusions or additions may apply to your Wawanesa homeowners insurance policy. Always review your policy documents carefully to understand what is and isn't covered, and don't hesitate to contact Wawanesa directly for clarification or to discuss additional coverage options.
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Customer service
Wawanesa is known for its award-winning customer service. The company consistently earns high J.D. Power customer satisfaction ratings, making it a carrier of choice for California homeowners and drivers.
Wawanesa offers 24/7 claim filing and handling, and its staff are described as "great" by customers. The company also offers various discounts to help make home insurance more affordable, including:
- Non-smoker discount
- Sprinkler protection discount
- Water alarm discount
- Burglar alarm discount
Wawanesa also provides additional coverage options to customize your policy, such as identity fraud and home cyber protection coverage. However, it lacks some modern conveniences like a mobile app or an online chat feature, as full quotes are only available with a live agent over the phone.
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Frequently asked questions
Wawanesa homeowners insurance covers the structure of your home and your belongings against damage, theft, or loss. It also provides liability coverage, which includes legal or medical expenses if someone is injured on your property. It pays for living expenses if you need to temporarily move out due to your home becoming uninhabitable.
Homeowners insurance generally does not cover damage from a slow leak, flooding, or water backing up from an outdoor sewer or drain. It also does not cover mold damage that forms due to high humidity, leaky plumbing, or flooding.
Wawanesa offers several optional coverages, including earthquake damage protection, identity fraud, and home cyber protection. You can also schedule personal property for high-value items like artwork and jewelry that exceed the personal property maximum.
The cost of Wawanesa homeowners insurance depends on various factors such as the type of home, its size, location, and the value of your personal belongings. While the average cost of homeowners insurance with Wawanesa is not available, they offer several discounts to help make it more affordable, such as the non-smoker discount, sprinkler protection discount, and burglar alarm discount.
