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Wawanesa Insurance

in Home Insurance

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Wawanesa Insurance

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in Home Insurance

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Overview

Where does Wawanesa Insurance do business?

Wawanesa Insurance is an insurance carrier based in San Diego, CA. The company was founded in 1896 and offers home insurance in 1 state in the USA. 

What is the financial strength rating of Wawanesa Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

Wawanesa Insurance scores an A or excellent, which is SuperMoney's second highest available score.

What types of coverage does Wawanesa Insurance offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Wawanesa Insurance offers the following types of home insurance coverage:

  • Dwelling Coverage: Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

  • Guest Medical Protection: This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

  • Liability Coverage: The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

  • Other Structures Coverage: This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

  • Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

  • Reimbursed Living Expenses: This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.

Wawanesa Insurance customers can also add the following riders or endorsements to their home insurance policies:

  • Earthquake Coverage: This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
  • Equipment Breakdown Protection: This protects from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.

  • Identity Theft Protection:  This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.

  • Inflation Protection: Inflation coverage protects you by increasing the amount of your homeowner with inflation so that you can maintain adequate coverage to replace your home in the event of a loss.

  • Valuable Items: Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

How can you save money on a Wawanesa Insurance home insurance policy?

When you ask for a quote with Wawanesa Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

  • Alarm System
  • Home Security or Protective Devices
  • Home Monitoring System

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Wawanesa Insurance.

What additional benefits does Wawanesa Insurance offer?

Wawanesa Insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.

  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

  • Digital Claims Reporting: Never fax or mail a document again.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  • 9050 Friars Road
    San Diego, CA 92108 USA
  • Visit Site

Other Services by Wawanesa Insurance

Availability

Available in 1 State
California

Feature Breakdown

Property Discounts
  • Alarm System
  • Home Security or Protective Devices
  • Home Monitoring System
Policy Discounts
  • Multiple Policy
  • Non-Smoker
Home and Renters Insurance Riders
  • Business Property Protection
  • Earthquake Coverage
  • Equipment Breakdown Protection
  • Identity Theft Protection
  • Inflation Protection
  • Valuable Items
Financial Strength Rating
  • A
Loyalty Program
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Digital Claims Reporting
Claim Forgiveness
Available 24/7 by Phone
Home and Renters Insurance
  • Dwelling Coverage
  • Guest Medical Protection
  • Liability Coverage
  • Other Structures Coverage
  • Personal Property Protection
  • Reimbursed Living Expenses
Liability
Personal Belongings
Structure
Reimbursed Living Expenses

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