Homeowners & Condo Insurance Solutions in NV & CA

Comprehensive Summary & Value Proposition

Your home is one of your most valuable financial assets and the center of your family life. Whether owning a single-family residential home in Las Vegas, Nevada or a condominium unit in West Covina, California, maintaining proper homeowners insurance is essential to guard against catastrophic physical losses and financial liability claims.

Global Wealth Insurance Services works with top national and regional property insurers to build comprehensive homeowners (HO-3) and condo (HO-6) policies. We review your property structure, personal belongings valuation, and liability risks to ensure you maintain complete peace of mind at the most competitive premium rates.

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Sample Coverage Limits & Detailed Definitions

Sample Property Policy Limits Breakdown

| Policy Section | Coverage Description | Sample Single-Family Home Limit | Sample Condo Unit Limit |

| Coverage A | Dwelling Protection | $500,000 (Replacement Cost) | $100,000 (Interior Alterations) |

| Coverage B | Other Structures | $50,000 (10% of Cov A) | N/A (Master Policy) |

| Coverage C | Personal Property | $250,000 (50% of Cov A) | $150,000 |

| Coverage D | Loss of Use (Living Expense) | $100,000 (20% of Cov A) | $30,000 |

| Coverage E | Personal Liability | $300,000 | $300,000 |

| Coverage F | Medical Payments to Others | $5,000 | $5,000 |

Detailed Itemized Coverage Definitions

  • Coverage A – Dwelling Protection: Covers repair or reconstruction costs for the primary physical structure of your residential home, including foundation, frame, roof, walls, attached garage, and built-in appliances, against covered perils like fire, windstorm, hail, and vandalism.
  • Coverage B – Other Structures: Protects detached buildings on your residential premises, such as detached garages, storage sheds, gazebos, swimming pools, guest houses, and perimeter fencing.
  • Coverage C – Personal Property: Pays for replacement or repair of personal belongings inside your home or anywhere in the world—such as furniture, electronics, clothing, and household goods—if destroyed, damaged, or stolen due to covered perils.
  • Coverage D – Loss of Use (Additional Living Expenses): Reimburses additional temporary housing expenses, hotel bills, restaurant meals, and storage costs if a covered disaster renders your home uninhabitable during repairs.
  • Coverage E – Personal Liability: Protects the policyholder and household family members against legal financial claims and lawsuits if legally responsible for causing bodily injury or property damage to third parties (others) due to non-auto accidents occurring on or off the premises. Pays legal defense costs, attorney fees, and court settlements up to policy limits.
  • Coverage F – Medical Payments to Others: Covers minor necessary medical bills for guests injured on your property, regardless of legal fault, helping prevent small incidents from turning into major legal disputes.