California Home Owner Insurance Quote

Do you own a home in California? If so, you will definitely want to get an insurance policy that will cover the cost of repairing or replacing your home if it gets damaged or worse destroyed.  It is a good idea to get a California home owner insurance quote from several companies to be sure you are getting the best deal possible.

The main types of home owner insurance coverage

The typical coverage that is available includes:

Dwelling - Basically this is for damage to buildings including your house and other buildings on your property such as a garage or shed.

Personal property - This refers to coverage for your personal belongings in the home including furniture, clothing and appliances.  You should be covered for theft as well as for damage due to accidents or natural disasters (although some natural disasters such as floods and earthquakes may require additional coverage).

Liability - This is one people don’t always think about.  This is the type of coverage that would pay out damages to someone who was injured on your property if you are found legally responsible.

Medical payments - This would cover the medical bills incurred for people if they are injured on your property.  It may also pay for certain injuries that happen away from your property, for example, if your dog wandered into the neighbor’s yard and bit someone.

Loss of use - Used to cover living expenses if you cannot live in your home during repairs or rebuilding.

Items usually not covered

Most standard California home owner insurance policies don’t cover earthquakes, flooding, wind damage to landscaping or termites, so if you need any of these be sure to ask when you get your quote.   Be sure to inquire about any other exclusions and even if you don’t want to read the whole insurance policy, you should at the very least read the exclusion section.  Supplemental policies are usually available for any excluded items.
Tips for Keeping Your Policy Up-to-Date

It is a good idea to re-evaluate your insurance coverage every year and increase or decrease your coverage as needed.  It’s also a good idea to take an inventory of your valuables and update it yearly with pictures (these, along with any receipts should be kept in a secure location outside of the home).

 Safety features equal big discounts

Insurers may offer premium discounts if you take steps to reduce the chances of a loss. Discounts will vary from company to company. Some of the more common discounts are based on having:

• Shock-resistant roof
• Fire resistant roof
• Items marked and registered with an identifying code
• A newer home
• Another policy with same company such as auto or life
• Senior citizens discount
• Burglar, fire, and smoke alarms in place
• Automatic sprinkler systems installed
• Fire extinguishers in various locations such as the kitchen and garage

There is a lot to consider when shopping for home insurance, but don’t let that intimidate you.  Just keep a few key factors in mind when you call for a California home owner insurance quote and take your time making a decision.

Enter your search terms Submit search form