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Protect Your Home With Coverage Built for California Living

Owning a home in California comes with unique insurance challenges. From wildfire exposure to rising rebuild costs and stricter carrier underwriting, choosing the right home insurance is more important than ever. We help California homeowners secure reliable coverage that protects their property finances and peace of mind.

Our approach is simple. We explain your options clearly compare coverage from trusted carriers and help you avoid gaps that could leave you exposed.

Why California Home Insurance Is Different

California homeowners face risks and regulations that do not exist in many other states. Insurance policies must be structured carefully to meet lender requirements while addressing local hazards.

Key factors we help you navigate include
• Wildfire risk and brush exposure
• Rising construction and labor costs
• Rebuild cost versus market value
• Carrier non renewals and coverage changes
• Deductible structures and coverage limits

Our job is to help you understand how these factors affect your policy so you can make informed decisions.

What Home Insurance Covers in California

A properly structured California home insurance policy typically includes

Dwelling Coverage

Protects the structure of your home based on rebuild cost not market value. This is critical in California where construction costs are high and continue to rise.

Personal Property Coverage

Covers your belongings including furniture appliances electronics and clothing in the event of covered losses.

Liability Protection

Provides financial protection if someone is injured on your property or if you are held legally responsible for damage to others.

Additional Living Expenses

Helps cover temporary housing and living costs if your home becomes uninhabitable due to a covered loss.

We help you choose limits that reflect your real exposure rather than minimum defaults.

Wildfire and California Specific Considerations

Wildfire risk is one of the most important factors in California home insurance. Many carriers now require additional underwriting or may limit availability in high risk areas.

We help homeowners
• Understand wildfire scoring and risk factors
• Explore available private market options
• Review California FAIR Plan eligibility when needed
• Layer policies properly when supplemental coverage is required

If you have received a non renewal or rate increase, we can review your situation and help you explore alternatives.

Earthquake Insurance Options

Earthquake insurance is not included in standard California home insurance policies. While not required, many homeowners choose to add separate earthquake coverage for additional protection.

We help you

• Understand what earthquake insurance covers and excludes
• Review deductible structures and cost expectations
• Decide whether earthquake coverage makes sense for your home and location

Our goal is education not pressure.

Mortgage and Lender Requirements

Most mortgage lenders require active home insurance that meets specific coverage standards. We make sure your policy complies with lender requirements while still protecting your interests as a homeowner.

We coordinate with lenders when needed to ensure a smooth closing or renewal process.

Frequently Asked Quesitons - Auto Insurance

Homeowners insurance is not required by law in California, but most mortgage lenders require it as part of the loan agreement. Even without a mortgage, homeowners insurance is strongly recommended to protect your home and belongings.
Most homeowners insurance policies cover the structure of your home personal belongings liability protection and additional living expenses if your home becomes uninhabitable due to a covered loss.
Wildfire damage is typically covered under standard homeowners insurance policies. However, availability and coverage options may vary depending on location and risk level, and some homeowners may need additional or supplemental coverage.
Earthquake insurance is not included in standard California homeowners insurance policies. It must be purchased separately and coverage terms and deductibles vary based on location and policy type.