California Home Insurance

Dwelling coverage forms the foundation of your basic homeowners insurance policies, protecting against damage to your home’s structure from covered perils like fire, windstorms, and hail.

For California homeowners, adequate dwelling coverage is crucial given the state’s susceptibility to January 2025 wildfires and other natural disasters.

Your dwelling protection should include extended replacement cost to rebuild your home completely.

California’s construction costs often exceed national averages, making accurate valuation essential. We help determine the appropriate coverage limit based on your type of home, specific construction materials, square footage, and local building costs.

This coverage protects structures on your property not attached to your main dwelling, including:

• Detached garages or carports
• Garden sheds and storage buildings
• Fences and boundary walls
• Swimming pool enclosures
• Guesthouses or accessory dwelling units (common in California)

The policy covers approximately 10% of your dwelling coverage limit, but we can adjust this based on your property insurance needs.

Personal property coverage protects your household contents against theft or damage from covered perils.

Standard home insurance policies cover belongings at approximately 50-70% of your dwelling coverage limit, with special limits for high-value items:

• Jewelry ($1,500 limit)
• Electronics ($2,500 limit)
• Cash ($200 limit)
• Collectibles and art ($2,500 limit)
• Coverage for uniforms and professional equipment

California homeowners with valuable collections should consider scheduled personal property endorsements to ensure adequate protection.

If a covered peril renders your California home uninhabitable, loss of use coverage pays for:

• Temporary housing costs
• Additional food expenses
• Pet boarding fees
• Storage costs
• Other reasonable expenses that exceed your normal living costs

This protection is particularly valuable in California’s high-cost rental markets, where temporary accommodations can quickly become expensive.

Personal liability coverage protects your financial assets if someone is injured on your property and sues you. This coverage pays for:

• Legal defense costs
• Court-awarded damages
• Medical expenses for injured parties

Most insurers recommend minimum liability coverage of $100,000, but California homeowners with significant assets should consider higher limits or umbrella policies.

Medical payments coverage pays for medical expenses when guests sustain minor injuries on your property, regardless of fault. This coverage typically ranges from $1,000 to $5,000 per person and helps avoid liability claims for smaller incidents.