Home Insurance

Home Insurance in California, Arizona, Nevada and Utah.

Protect Your Home and Everything In It.

At American Financial Insurance Services, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

American Financial Insurance Services is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Our Home Insurance coverage options include:

  • Property Insurance
  • Homeowners Liability
  • Renters Insurance
  • Condo Insurance
  • Mobile Home Insurance
  • Scheduled Property Insurance
  • Landlords Insurance
  • In-Home Business Insurance

Why Home Insurance?

Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.

While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at American Financial Insurance Services about specific coverage options that are applicable to your individual needs.

Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from American Financial Insurance Services.

American Financial Insurance Services provides Home Insurance for residents near Rancho Mirage, Palm Desert, La Quinta, Palm Springs, Indio, and Cathedral City.

Earthquake Insurance in Rancho Mirage, Cathedral City, and Palm Desert, CA

Protecting Homeowners and Businesses

Earthquakes are a standard occurrence in California and come with a lot of risks, including structure damage, asset loss, personal injury, and more. These and other risks can translate into significant costs, and for this reason it’s important that people have protection. Earthquake Insurance provides necessary protection and can be offered as an endorsement onto an existing homeowner’s or property policy or as a stand-alone policy. Stand-alone policies can offer more comprehensive coverages, such as extended loss of use and more extensive personal property/content coverage

Earthquake Insurance Coverage Details

Due to the frequency of earthquakes in California, earthquake insurance is always offered with the various insurance carriers who are admitted in California to write homeowners insurance.

Earthquake insurance rates depend on a number of factors, including the level of earthquake risk one faces in the area in which he or she lives. To find out what level of earthquake risk you face, use the California Earthquake Authority’s quakes and faults tool.

Your deductible for earthquake insurance can vary from 5% – 25%, but this is beneficial in that if you suffer a total-home loss, you will be covered and your home will be replaced or reconstructed without large financial losses coming to you.

What to Expect

If an earthquake occurs you’ll need coverage that keeps you from suffering unnecessary financial losses and you’ll need an agent who supports you throughout the claims process. At American Financial Insurance Services we work closely with you to create the best possible solution.

Contact us or give us a call at (760) 568-9090 to learn more.

Additional Earthquake Insurance Information:

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Roy Ferguson

Jeremy Ferguson