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Homeowners Insurance
Comprehensive protection for your home, structures, and personal assets against fire, theft, and natural disasters.
Your home is more than just a building; it is your sanctuary and your most valuable physical asset. Our homeowners insurance is designed to protect every aspect of your home, from the physical structure to your personal belongings stored inside.
Coverage Playbook
01 Coverage Limits
Dwelling: 150% Extended Replacement Cost. Other Structures: 10% of Dwelling Limit. Personal Property: 50% of Dwelling Limit.
02 Recommended Deductibles
$1,000, $2,500, or $5,000 based on risk tolerance.
03 Recommended Actions
Document high-value personal assets with photos and receipts. Clear defensible space up to 100 feet around your home. Install smart water leak sensors.
Am I Covered?
Answer these quick questions to understand your coverage needs.
Is your home located in a designated wildfire zone?
If yes, Cal Fire compliance inspections and defensible space clearing are required.
Do you own high-value jewelry or fine art?
If yes, scheduled personal property endorsements are recommended to cover their full appraised value.