Home Insurance

Protect your most valuable investment with comprehensive homeowners insurance. Your home, your belongings, your peace of mind.

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Why Home Insurance Matters

Your home is likely your largest investment. Protect it with comprehensive coverage that gives you peace of mind.

Fire & Disaster Protection

Coverage for fire, windstorm, hail, lightning, and other covered perils.

Personal Property

Protection for your belongings including furniture, electronics, and clothing.

Liability Coverage

Protection against lawsuits for injuries or property damage to others.

Additional Living Expenses

Temporary housing costs if your home becomes uninhabitable.

What's Covered

Comprehensive protection for your home, belongings, and financial well-being.

Dwelling Coverage

Protects the physical structure of your home and attached structures.

  • House structure
  • Built-in appliances
  • Attached garage
  • Deck and porch

Other Structures

Coverage for structures on your property not attached to your home.

  • Detached garage
  • Shed or barn
  • Fence
  • Swimming pool

Personal Property

Protection for your personal belongings inside and outside your home.

  • Furniture and electronics
  • Clothing and jewelry
  • Sports equipment
  • Items away from home

Liability Protection

Financial protection against lawsuits and claims from others.

  • Bodily injury claims
  • Property damage claims
  • Legal defense costs
  • Medical payments

Home Insurance Plans

Choose the coverage level that best protects your home and fits your budget.

Basic Coverage

Essential Protection

$125 /month
$300K dwelling coverage
  • Dwelling coverage
  • Personal property
  • Liability protection
  • Medical payments
  • Additional living expenses
  • Identity theft protection
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Most Popular

Standard Coverage

Complete Protection

$185 /month
$500K dwelling coverage
  • Everything in Basic
  • Additional living expenses
  • Other structures coverage
  • Water backup coverage
  • Identity theft protection
  • Equipment breakdown
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Premium Coverage

Maximum Protection

$275 /month
$750K dwelling coverage
  • Everything in Standard
  • Replacement cost coverage
  • Scheduled personal property
  • Home business coverage
  • Earthquake coverage
  • Umbrella liability option
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California-Specific Coverage

Additional protection for risks common in California.

Earthquake Insurance

Separate coverage for earthquake damage, essential in California

Wildfire Protection

Enhanced coverage for wildfire damage and evacuation expenses

Flood Insurance

Federal flood insurance through NFIP for flood-prone areas

Windstorm Coverage

Protection against Santa Ana winds and severe weather

Fair Plan Coverage

California FAIR Plan for high-risk properties

Solar Panel Coverage

Protection for solar panels and green energy systems

How Much Coverage Do You Need?

Use our calculator to estimate the right amount of dwelling coverage.

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Pool, deck, upgraded finishes, etc.
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Furniture, electronics, clothing, etc.

Frequently Asked Questions

Get answers to common questions about home insurance in California.

Actual cash value pays the depreciated value of your property, while replacement cost coverage pays to replace or repair your property with materials of similar kind and quality, without deducting for depreciation. Replacement cost is typically recommended for better protection.

No, standard homeowners insurance does not cover earthquake damage. In California, you need separate earthquake insurance, which can be purchased through the California Earthquake Authority (CEA) or private insurers.

You can lower premiums by increasing your deductible, bundling with auto insurance, installing security systems, maintaining good credit, and making home improvements that reduce risk (like updating electrical or plumbing systems).

Contact your insurance company immediately, document the damage with photos, make temporary repairs to prevent further damage, keep receipts for expenses, and cooperate with the claims adjuster. Don't throw away damaged items until the adjuster has seen them.

Protect Your Home Today

Don't leave your most valuable investment unprotected. Get a personalized home insurance quote and secure your peace of mind.

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