Comprehensive protection for your home, belongings, and family. Safeguard your most valuable investment with our tailored coverage options.
Your home is likely your largest financial investment and the place where you create lasting memories with your family. Homeowners insurance provides essential protection against unexpected events that could threaten your property and financial security.
California homeowners face unique risks including earthquakes, wildfires, mudslides, and coastal flooding. Our comprehensive homeowners insurance policies are specifically designed to address these regional challenges while providing the standard protections every homeowner needs.
Beyond protecting your physical structure, homeowners insurance covers your personal belongings, provides liability protection if someone is injured on your property, and offers additional living expenses if your home becomes uninhabitable due to a covered loss.
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.