Comprehensive protection for your most valuable investment with specialized coverage for California's unique risks including wildfires, earthquakes, and coastal hazards. Safeguard your home, belongings, and family with our expertly tailored coverage solutions.
Your home represents far more than your largest financial investment—it's where you build memories, create security, and establish roots in your community. California homeowners insurance provides essential protection against the unexpected events that could threaten both your property and your family's financial stability.
California's diverse geography and dynamic climate create unique insurance challenges that require specialized expertise and tailored coverage solutions. From the wildfire-prone hills of Northern California to the earthquake zones throughout the state, from coastal flooding risks to urban liability exposures, our comprehensive homeowners insurance policies are specifically designed to address these regional challenges while providing the fundamental protections every California homeowner needs.
Our coverage extends far beyond protecting your physical structure. We provide comprehensive protection for your personal belongings, liability coverage if someone is injured on your property, additional living expenses if your home becomes uninhabitable due to a covered loss, and specialized endorsements for high-value items and unique California risks.
The Golden State's diverse geography and climate patterns present distinct insurance challenges that require specialized knowledge and coverage solutions:
Complete protection for every aspect of your California home and lifestyle
Comprehensive protection for your home's physical structure including walls, roof, floors, built-in appliances, and attached structures like garages and decks. Our replacement cost coverage ensures you can rebuild to current standards, even if construction costs have increased since your home was built.
Extensive protection for your belongings including furniture, clothing, electronics, and personal items. Coverage extends worldwide, protecting items temporarily away from home. Special limits apply to high-value items like jewelry, art, and collectibles, with optional scheduled coverage available.
Robust financial protection if someone is injured on your property or if you accidentally cause bodily injury or property damage to others. Includes comprehensive legal defense coverage with no deductible, protecting your assets and future earnings from liability claims.
Comprehensive coverage for extra living costs when your home becomes uninhabitable due to a covered loss. Maintains your standard of living during repairs or rebuilding, covering the difference between your normal expenses and temporary living costs.
Specialized coverage enhancements for comprehensive California homeowner protection
Specialized protection for jewelry, fine art, collectibles, and other high-value items with agreed-value coverage and no deductible
Comprehensive protection against water damage from sewer backups, sump pump failures, and appliance overflows
Complete identity theft protection including expense reimbursement, legal assistance, and credit monitoring services
Specialized protection for home-based businesses including equipment, inventory, and business liability coverage
Coverage for mechanical and electrical breakdown of home systems, appliances, and HVAC equipment
Additional liability protection up to $5 million beyond your standard homeowners policy limits
Maximize your savings with our comprehensive discount programs designed for California homeowners
Substantial savings for monitored security systems, smart home devices, smoke detectors, and comprehensive fire protection systems
Significant savings when you bundle homeowners with auto, umbrella, or other insurance policies—up to 25% off
Reward your responsible homeownership with increasing discounts for each year without claims—up to 15% savings
Special rates for newly built homes with modern construction materials, updated electrical, and current building codes
Age-based discounts recognizing the experience and stability of mature homeowners aged 55 and older
Save with automatic payments, paperless billing, and annual payment options—convenience that pays you back
Get a personalized homeowners insurance quote tailored to California's unique risks. Discover comprehensive protection, competitive rates, and exceptional service for your most valuable investment.