Homeowners Insurance
Protect your home, belongings, and personal liability
Homeowners insurance protects your most significant asset. A standard HO-3 policy covers your dwelling against most perils, your personal property, and provides liability protection if someone is injured on your property. Most mortgage lenders require it.
What's Covered
What this policy covers
- Dwelling coverage — the structure of your home
- Other structures — detached garages, fences, and outbuildings
- Personal property — furniture, electronics, clothing, and valuables
- Loss of use — temporary housing costs if your home is uninhabitable
- Personal liability — legal costs if someone is injured on your property
- Medical payments to others — minor guest injuries regardless of fault
Who Needs It
Is this the right coverage for you?
- Homeowners with a mortgage (required by the lender)
- Homeowners without a mortgage (protecting your largest investment)
- Anyone who couldn't afford to rebuild their home out-of-pocket
FAQ
Common questions about Homeowners
Does homeowners insurance cover earthquakes in California?
No. Standard homeowners policies exclude earthquake damage. Coverage is available through the California Earthquake Authority (CEA) or private insurers as a separate policy — highly recommended in most of California.
What if I live in a high wildfire risk area?
Some standard carriers have pulled back from high-risk ZIP codes. Options include surplus lines carriers, the California FAIR Plan (insurer of last resort), or a Difference-in-Conditions (DIC) policy to fill gaps. We can help you find coverage.
How much dwelling coverage do I need?
Your dwelling limit should reflect the cost to rebuild (replacement cost), not your home's market value. Land value is part of the market price but doesn't need insuring. We can walk you through a rebuild cost estimate.
Ready to get Homeowners coverage?
Same-day quotes for most personal lines. We'll help you find the right fit.