Straightforward protection for your home, belongings, and liability—aligned to real risks.
Homeowners insurance helps safeguard your property, belongings, and finances from unexpected events.
In California, risks like wildfire, earthquake, and coastal weather require thoughtful coverage choices. We tailor standard protections to local conditions so your policy reflects real exposures.
Coverage can include dwelling, personal property, liability, and additional living expenses—clear protection for what matters most.
California's diverse geography and climate present unique insurance challenges:
Comprehensive protection for every aspect of your home
Protects the physical structure of your home including walls, roof, floors, built-in appliances, and attached structures like garages. Covers repair or rebuilding costs if damaged by covered perils.
Covers your belongings including furniture, clothing, electronics, and other personal items. Protection extends to items temporarily away from home, such as luggage while traveling.
Protects you financially if someone is injured on your property or if you accidentally damage someone else's property. Includes legal defense costs and medical payments to others.
Covers extra costs if your home becomes uninhabitable due to a covered loss. Includes hotel bills, restaurant meals, and other necessary expenses while your home is being repaired.
Additional coverages for complete peace of mind
Special protection for jewelry, art, collectibles, and other high-value items with higher coverage limits
Protection against water damage from sewer or drain backups, sump pump failures, and water line breaks
Coverage for expenses related to identity theft including legal fees, lost wages, and document replacement
Protection for business equipment and liability if you operate a business from your home
Coverage for mechanical or electrical breakdown of home systems and appliances
Additional liability protection beyond your standard homeowners policy limits
Reduce your premiums with our discount programs
Save with monitored security systems, smoke detectors, and fire alarms
Bundle your home and auto insurance for significant savings
Rewards for maintaining a claims-free history
Special rates for newly constructed homes
Age-based discounts for mature homeowners
Save with automatic payments and paperless billing
Get a personalized homeowners insurance quote and discover comprehensive protection for your most valuable investment.