Give us a call
800.830.6656

Estimate Your Home Value to Match Coverage Limits in Tracy, California

Your home may be worth as much or more than your retirement account. As a result, it makes sense to track your home insurance as carefully as you do your 401k.

Getting Started with M3 Insurance

If you haven’t checked in recently, you might consider contacting M3 Monagan Miller McCreary Insurance at 800-830-6656 or clientservices@m3insurance.com to schedule an annual review of your home’s value and contents.

We want you to be relieved, knowing you’ve made informed decisions about the amount of home insurance needed to help you recover in the event of a loss. Check out the tips provided below, to make sure you are prepared for the worst case scenario.

Know Your Limits

With home improvement being a national pastime and construction costs rising, it’s a good idea to check your policy limits once a year with M3 Insurance. Planning to remodel your home? Just finished adding a new deck, fence or garage in your front yard? It is time to review your limits with M3 Monagan Miller McCreary Insurance if you live in California.

Rebuilding Is Different Than Buying

When you review your policy with M3 Insurance, remember that the cost to buy and the cost to rebuild are different. Consequently, you can’t rely on your home’s market value to set your insurance limits. An appropriate amount of insurance coverage will permit you to rebuild your home in the event of a total loss. That replacement value depends on the physical characteristics of your home, as well as the price of labor and materials in your area. In most areas, these costs increase with time.

M3 Insurance Can Ballpark Your Coverage Needs

M3 Monagan Miller McCreary Insurance can estimate the typical cost of rebuilding your home based on the average costs of materials and labor in California. However, this number won’t reflect major upgrades made to your home or the cost of replacing your home’s unique features, unless you specifically inform M3 Insurance or a customer care professional about major upgrades.

Be Proactive in Selecting Your Coverage Limits with M3 Monagan Miller McCreary Insurance

If your home is truly unique or custom built, or if you’d simply like additional peace of mind, knowing that you’ve selected the right amount of insurance, consider asking an expert like M3 Insurance. For a modest fee, you can hire a building contractor to give you a more precise estimate of the cost of rebuilding your home.

Don’t Forget to Do a Home Inventory

M3 Monagan Miller McCreary Insurance recommends doing a thorough inventory of your home’s contents. Compare the value of your belongings to the “contents,” or personal property limit listed in your policy, and make sure these match up.

Using a video camera is the easiest way to do inventory of your home. That way, you can record and describe items as you walk through your house. A regular camera and a home inventory checklist works well, too. Share the completed list with M3 Monagan Miller McCreary Insurance to review and make sure your belongings are fully covered. Store your video or photo inventory off-site, so you won’t lose it if your house is damaged.

Contact M3 Monagan Miller McCreary Insurance at 800-830-6656 or clientservices@m3insurance.com for more information about lowering the cost of your homeowners insurance in California.

M3 Insurance: Come for the Savings...Stay for the Service. Call for a quote today at 800-830-6656.

Content provided by: Safeco Insurance

Our Locations

Tracy Location

1137 B Adam St.
Tracy, CA 95376
Main office: 209-835-6656
Toll free: 800-830-6656
Fax: 209-835-0955

Danville Location

4115 Blackhawk Plaza Circle
Suite 100
Danville, CA 94506
Main office: 925-350-8925
Fax: 866-790-0955

Our Providers

Testimonials

Thank you for the excellent service you have provided over the years, having both homes, three cars, umbrella and other insurance with you as well. It's all been fantastically handled. We made the move over because we saved a lot of money, but beyond saving money the service has been excellent and you and your entire team deserved to be thanked and credited for that. Thanks again, and it's been a wonderful experience and I'm looking forward to a long and prospect relationship.

Craig Walker
Sean and his team provided great service. I called Sean as a friend and asked him to look at my current policies to see if he could save me some money or possibly better protection and he came back with 1 ½ hr later which is amazing in today's day and time. He gave me much better protection and saved me at least 45-50% off my current home and auto policies. He organized and put it all together plus an umbrella policy. I just want to thank Sean and his team once again for helping out just great service. In today's day and age service means a lot especially when we can save some money. Thank you again.

David Liebowitz
Sean I just wanted to take a moment and tell you how happy Kim and I are with you and your team. Having been with State Farm for over 20 years, I just assumed they were taking care of us. Well needless to say – they were just taking our money. Your package saved us hundreds of dollars per year, and I could not be happier with the service. Thanks So Much.

Paul Bradley
My claim experience with your office and Travelers was great. Matt, the adjuster, was delightful. He made me feel relaxed and comfortable. I enjoyed working with him as he was extremely cooperative.

Paulette Ranuio
Your service is absolutely marvelous and just wonderful. When we had a billing problem, your team was on top of it. I was never nervous about it because I knew that it was being taken care of. I really want to thank you and your staff for being there. Your customer service is perfect.

Helena Lowe
I remember when my insurance premium was sky high. At M3, I saved $348 on my auto insurance and I upgraded my home insurance without paying more. It's incredible, I love it!

Joe Rowen
The service is first rate!

Bridget Riddle
I can't say enough good things about M3 Insurance. I couldn't ask for more when I compare my former agent with M3's there is no comparison. As far as claims goes, everything went right. I am a busy business owner and I know I can trust M3 to get the job done on time with a competitive price.

Bob Mills
Sean has always been there for us as our homes, investment properties, and business changes. He and his team do such a great job at keeping up with our busy lives and making sure we have the right protection at the right price.

Stephanie Prioste
There aren't many people in the insurance business that have the knowledge and understanding that Sean possesses. He has the ability to take an insurance policy, make it simple to understand, and take of details that others have left out. When it comes to insurance, Sean is the best.

Rob Riccio
Sean has been a valuable resource for over 10 years. When I remodeled my house, he helped to ensure that our improvements would be protected during and after construction Sean always makes a point to review my needs periodically which none of my other agents ever bothered to do.

Joe Grillo
If you, anyone you know, or any new clients are interested in speaking with a really awesome insurance agent, you should send them to mine. She rocks. I've been with her for 10 years now. Her name is Kelly Johnson at M3 Insurance.

Amir Littman, San Jose
"Jim and I were so impressed by your prompt customer service, complete and thorough assessment of our needs, and efficient processing of great policies. Both Kelly and Elizabeth were delightful to work with and we thank them in advance for being our 'go-to' people for future service. It is our pleasure to work with you and your outstanding team!"

Bette and Jim Felton