Home insurance in California has changed significantly due to wildfire exposure, rising construction costs, and stricter carrier underwriting. Many homeowners are surprised to learn that their policy may not fully cover rebuilding costs in the event of a major loss.
Rebuild cost is not the same as market value, especially in California. The California Department of Insurance recommends reviewing dwelling limits regularly to ensure adequate protection for your home and belongings.
https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-residential/
At Ezone Insurance Services, we help homeowners understand coverage options and identify gaps before they become costly problems. If you are reviewing your policy or purchasing a home, we are here to help.
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