Protect Your California Home Investment

Safeguard your most valuable asset with comprehensive homeowners insurance tailored for California properties. From earthquake protection to wildfire coverage, we've got your home covered.

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Complete Home Protection Coverage

Every aspect of your home and belongings protected with comprehensive coverage

Dwelling Coverage

Protects the structure of your home from covered perils like fire, windstorm, hail, and vandalism.

Personal Property

Covers your belongings including furniture, electronics, clothing, and other personal items.

Liability Protection

Protects you from lawsuits and claims if someone is injured on your property or you damage others' property.

Benefits of Our Homeowners Insurance

  • Replacement Cost Coverage: Rebuild your home with today's materials and labor costs
  • Additional Living Expenses: Coverage for temporary housing if your home is uninhabitable
  • Personal Liability: Protection against lawsuits and legal expenses
  • Medical Payments: Coverage for minor injuries to guests on your property
  • Identity Theft Protection: Help restore your identity if it's stolen
  • 24/7 Claims Service: Round-the-clock support when you need to file a claim

What's Covered

Comprehensive protection for your home and lifestyle

Property Coverage

  • Fire and smoke damage
  • Windstorm and hail
  • Theft and vandalism
  • Water damage from burst pipes
  • Falling objects
  • Electrical damage

Liability Coverage

  • Bodily injury to others
  • Property damage to others
  • Legal defense costs
  • Medical payments to others
  • Personal injury claims
  • Damage caused by pets

Risk & Premium Drivers

Key factors that influence eligibility, deductibles, and pricing in California

Wildfire Exposure

Location, defensible space, roof material, and nearby brush can impact underwriting and premium levels.

Property Characteristics

Home age, wiring/plumbing updates, square footage, construction type, and replacement cost estimates affect pricing.

Claims & Deductibles

Prior claims, selected deductibles, and added endorsements (earthquake, flood, valuables) can change total cost.

Flood and earthquake are typically excluded from standard homeowners policies and may require separate coverage.

Claims Steps

A simple checklist to help you move faster after a loss

  1. Ensure safety first and call emergency services if needed.
  2. Document damage with photos/video and save receipts for any temporary repairs.
  3. Report the claim as soon as possible and keep a log of dates, names, and updates.
  4. Prevent further damage with reasonable temporary measures.
  5. Work with the adjuster and retain damaged items until they are reviewed.

Who Needs Homeowners Insurance?

Essential protection for every homeowner

New Homeowners

First-time buyers protecting their investment

Growing Families

Parents securing their family's home and future

Home Renovators

Homeowners increasing their property value

Mortgage Holders

Required coverage for financed homes

Frequently Asked Questions

Get answers to common homeowners insurance questions

Your dwelling coverage should be enough to rebuild your home at current construction costs. Personal property coverage is typically 50-70% of dwelling coverage. We recommend at least $300,000 in liability coverage, though $500,000 or $1 million is better for most homeowners.

Standard homeowners insurance doesn't cover floods, earthquakes, normal wear and tear, maintenance issues, or damage from pests. You may need separate policies for flood and earthquake coverage, and regular maintenance is your responsibility.

You can lower your premium by increasing your deductible, bundling with auto insurance, installing security systems, maintaining good credit, staying claims-free, and updating your home's safety features like smoke detectors and deadbolts.

While not legally required if you don't have a mortgage, homeowners insurance is still highly recommended. It protects your investment and provides liability coverage. Without it, you'd pay out of pocket for repairs, rebuilding, or legal claims.

Contact us immediately to report the claim. 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

Get comprehensive homeowners insurance coverage and peace of mind for your family.

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