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California Home Insurance

Your home is one of the largest investments you'll make during your lifetime—and you want to protect it. That's why we started our free referral service: to help you find the best homeowners insurance at a price that fits your budget.

Too Much, Too Little—Just Right!

OK, so homeowners insurance isn't an option in California; it's a requirement by law. But how do you know what kind and how much coverage you need?

To figure this out, start by examining these factors particular to your home: 

  • Your home's construction
  • Its age
  • Its contents
  • Your monthly finances and budget

Make it your goal to buy just enough insurance to provide adequate coverage in case of a loss, but not so much you can't afford to pay your premium. Talk to an insurance agent to find out what this means for you, since every situation is unique.

A Matter of Trust

One of the best ways to ensure your family's future security and safety at home is to get sound advice. A licensed home insurance agent will be able to help you out. When searching for an agent or company, we recommend you:

1.       Choose one that is state licensed.

2.       Comparison shop to make sure you get the most coverage for your money.

3.       Check each company's professional rating through firms such as A.M. Best, Standard & Poor's or Weiss Ratings. These independent services provide you with the company's history, financial stability and customer service scores.

A Shaky Subject

The threat of earthquake is a major concern for most Californians. Though the standard homeowner's policy doesn't cover earthquake-related damage, the state of California has taken steps to protect its residents from disaster by requiring that earthquake insurance be available to all who qualify for home insurance.

Most private insurers can integrate earthquake coverage into your policy. If you choose one that can't, separate earthquake coverage is available through a company underwritten by the California Earthquake Authority (CEA).

For more information on homeowner's insurance and earthquake coverage, contact the California Department of Insurance at (800) 927-HELP.

California homeowner's insurance is an essential tool for protecting your property. So don't wait for disaster to strike. Prepare now with free, competitive home quotes from InsureMe. InsureMe makes it easy!


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