Dwelling
Repairs or rebuilds the structure of your home after a covered loss like fire or wind.
Home insurance for California homeowners
Protect your house, your belongings and your family's finances, with coverage chosen for where you live.
We're not taking new home insurance applications online right now. Call us at (840) 271-0179 and we'll talk through your options.
What home insurance can cover
Coverage options vary by carrier and policy. Your agent will walk you through what's included and what's optional.
Personal property
Covers furniture, electronics, clothing and other belongings, at home or away.
Personal liability
Helps if someone is hurt on your property or you accidentally damage someone else's.
Loss of use
Pays extra living costs, like a hotel, if you can't stay home during repairs.
Wildfire options
Guidance on coverage in high-risk areas, including the California FAIR Plan with a companion policy.
Earthquake
Standard policies exclude earthquakes. We can help you add separate earthquake coverage.
Who it's for
- Single-family homeowners
- Condo owners
- First-time buyers who need proof of insurance to close
- Homes in wildfire-prone areas
- Landlords renting out a single property
Ways you could save
Discounts depend on the carrier and your eligibility.
- Bundle with auto
- Home security system
- New or updated roof
- Claims-free history
- Fire-resistant upgrades
- Higher deductible
Bundle your home and auto
Many carriers offer a discount when you insure your home and car together. You'll also have one agent and fewer renewals to keep track of.
- One agent for both policies
- A possible multi-policy discount
- Coverage reviewed together, so nothing falls through the gaps
Home insurance questions
Does home insurance cover earthquakes in California?
No, standard homeowners policies exclude earthquake damage. Earthquake coverage is bought separately, for example through the California Earthquake Authority or a private carrier.
My insurer won't renew my policy because of wildfire risk. What can I do?
Call us. We'll look at carriers still writing in your area and, if needed, help you combine a California FAIR Plan policy with a companion policy for the coverage the FAIR Plan leaves out.
How much dwelling coverage do I need?
Enough to rebuild your home at today's construction costs, which isn't the same as its market value. We can help you estimate it.
Get a home insurance quote
It takes a few minutes online, or call and an agent will walk you through it.