As devastating as it is to lose your home, this doesn’t relieve borrowers of their obligation to keep paying their monthly mortgage. When your home burns, you’ll need to live somewhere else. There’s a coverage on your home insurance policy called Loss of Use which covers additional living expenses (ALE). Loss Of Use covers the additional costs while living elsewhere as your home is being rebuilt. During this time, you are still responsible for paying your mortgage (even when you are not living at home).
Einhorn Insurance’s Happy Customers
02:01 05 Mar 20
We live in a high risk fire area and when our homeowner's insurance coverage was terminated by our insurer (with no claims) we were suddenly scrambling to find a new insurance provider. I reached out to Eric and he was simply wonderful--spending an amazing amount of time and effort to find a new insurance company who would provide us with homeowner's insurance at the most reasonable cost. This was not easy as most other companies were unwilling to cover our home at any cost, yet Eric keep exploring possible options and keeping us informed during the whole process--until he was successful and our home was insured. We are incredibly thankful for all of his efforts and help.
14:16 29 Feb 20
Was so pleased with the entire process. Eric made it easy, his professionalism and truly caring what was best for the client. He was able provide a good homeowners policy in the brush area that is extremely limited. I would highly recommend Einhorn Insurance.
11:35 27 Feb 20
I live in an extremely high fire risk area and reached out to Einhorn Insurance after being dropped by my insurance company and being unable to find any other. Let me say that more accurately: after being unable to find any local agents who could find any other. Einhorn Insurance came through rapidly and, equally importantly, was able to clearly and compellingly discuss all of the relevant issues with me (this was quite counter to my experience with other agents). Their professionalism and expertise is truly appreciated by this customer; enough so that I have recommended them highly to each of my neighbors as the dreaded cancel letters have inevitably arrived.
21:17 14 Oct 19
Eric Einhorn insurance is a top notch agency in San Diego. I have worked with Eric primarily for the last 4 years and Summer most recently to obtain my...
15:30 01 Jun 19
An absolute pleasure to do business with. Provided fire insurance and hazard insurance for a home in a high brush area where most other companies either...
17:31 01 Dec 18
Dori with Einhorn Insurance was amazing to work with!! They do provide services outside of Southern California, so don't hesitate to contact them if you are not near San Diego. We are purchasing a home in rural far Northern California, and when it looked like no other insurance company would insure us because of our location, Dori came through with the promise that she could get it insured to meet the bank's requirements for a loan (such a relief!). I received a response within 1-2 hours of submitting an online inquiry, and Dori has never failed to promptly respond to any inquiries. She worked hard to get us all the discounts available. A local office offered us the same exact plan for $700 more per year than what Dori got us. On top of all that, she referred us to a different company that could offer a better price on flood insurance than they could. Her honesty and legitimate compassion for our situation was amazing! Dori was constantly checking in with us on the progress of our loan and for updates. No other entity that we have worked with during the home purchase process has been so great. With everyone else we have had to call and call to get any response and remind them we are waiting.Thank you so much Dori! 5+ stars!
23:38 29 Aug 18
We never had to file a home insurance claim until a few years ago. We had a streak of bad luck and had to file a few claims. Our insurance company we had for About 10 years dropped us. After hearing "No" and being turned down from many insurance companies, we finally got a "Yes" from Dori at Einhorn Insurance. Dori providing amazing service and found us a home insurance policy that was accepted by our lender. Thank you for making this process easy!
23:06 13 Aug 18
After getting outbid on several offers, we are finally in escrow on a home in Scripps Ranch. Our escrow company sent us a form asking for our home insurance information. After calling numerous insurance companies (including the company that insures me now) to get a quote, we quickly found out the house is in a high fire area and we need home insurance for a wildfire area. Some of the agents we called never called us back once we gave them the address. A couple of people we talked to flat out refused to offer a homeowners policy because Scripps Ranch is prone to fires. Then, a few agents came back with very high quotes and our lender said we wouldn’t qualify for a loan if our insurance was that high. Our excitement for this house quickly turned into panic as we were struggling to get affordable coverage. Dori at Einhorn Insurance was able to navigate the waters and provide a coverage option that we could afford and more importantly, feel good about! We are now fully approved for our home loan and scheduled to close escrow at the end of August! Thank you Dori!
21:38 02 Aug 18
Wonderful customer service and insurance options! I have trusted Einhorn Insurance with my renters, umbrella, auto and dog insurance for 10+ years.The thing I appreciate most about this company is that they truly take the time to listen to your needs, and put together a policy that ensures you are covered, without any of the unnecessary 'fluff'. They are always available and happy to answer any questions you have (trust me, I've had a lot of questions over the past decade!) Thank you, Einhorn Insurance, for taking care of my family.
22:54 11 Jul 18
I was in a jam for homeowners insurance due to another carrier that ensured me I was going to be covered in a high brush area and at the last minute was told I was unensurable due to brush.I found Einhorn Insurance online after researching high brush and they were able to assist me the same day with a full home owners policy. I cant say enough about the customer service and the knowledge they have regarding high fire risk.I would recommend them to anyone looking for a new home owners policy in or out of a high fire location.
03:10 28 Jun 18
This company was top notch, responsive and super easy to work with. I was in escrow on a house that was close to the wildfire areas. I started to panic when everyone I called turned me down for home insurance. I stumbled on Einhorn Insurance and they were able to find a policy for me super fast. They even called my escrow company and lender and handled everything regarding insurance so I didn't have to. I am pretty sure I would not have been able to close escrow if they didn’t find me a policy. To everyone over at Einhorn: I really appreciate what you did for me and helping land the home that I love.
16:29 18 Jun 18
Came into a very unfortunate situation where I needed insurance within 24 hours in order to bring Mia back home. My roommate was the person who officially adopted her. When he decided to move out after a year and a half, Mia was returned to the shelter and he would not allow me to keep her. Long story short, I adopted her and then needed insurance in place to do so and got it from Einhorn. I worked with two different agents and had the needed insurance that my city requires in place within 24 hrs. Bother agents were stellar to work with and helped me through something that brought Mia back into my home.