Your home is your biggest investment. Protect it with comprehensive homeowners insurance that covers your dwelling, belongings, and provides liability protection.
Comprehensive coverage options to protect your home, belongings, and family.
Covers the structure of your home, including walls, roof, and built-in appliances, against covered perils.
Protects your belongings like furniture, electronics, clothing, and more from theft or damage.
Covers legal expenses and damages if someone is injured on your property or you damage someone else's property.
Covers temporary living costs if your home becomes uninhabitable due to a covered event.
Covers detached structures on your property like garages, fences, sheds, and guest houses.
Additional coverage options for high-value items, water backup, and identity theft protection.
California homeowners face unique risks, from earthquakes to wildfires. Our agents understand these challenges and can help you find the right coverage to protect your investment.
Actual cash value (ACV) pays the current value of your items, accounting for depreciation. Replacement cost coverage pays to replace items with new ones of similar quality. Replacement cost coverage typically costs more but provides better protection.
No, earthquake damage is not covered by standard homeowners insurance. In California, you'll need a separate earthquake policy. We can help you obtain coverage through the California Earthquake Authority (CEA) or private insurers.
Your dwelling coverage should be enough to rebuild your home at current construction costs (not market value). Personal property coverage is typically 50-70% of dwelling coverage. Our agents can help you calculate the right amounts based on your specific situation.
Common discounts include: bundling with auto insurance, having security systems, smoke detectors, and fire alarms, being claims-free, having a newer home, and paying annually. Ask our agents about all available discounts.
Get your free, personalized home insurance quote and see how affordable comprehensive coverage can be.
