Just getting an insurance quote on your home is not enough. You want to make sure that your home is adequately covered against damage to the physical structure and loss of personal possessions as well as the potential liability of someone harming themselves on your property.
Additionally, there are the factors of replacement costs, living expenses should your home suffer extensive damage and even loss of personal property outside of the home itself.
Comparing Insurance Companies and Quotes for your Home
Get A QuoteOur California home insurance covers both damage to your property and the liability for any injuries and/or property damage that you, or members of your family, cause to other people.
As a top independent insurance broker, we have the ability to shop multiple carriers nationwide, and we have the knowledge and experience to get you the best possible home insurance in the Santa Clarita and Antelope Valley.
Typical coverage packages for California home insurance can include protection for the following:
- The physical structure of your home
- Replacement cost
- Personal possessions
- Additional living expense (in the event of covered loss or a natural disaster)
- Liability
But your life, your home and your needs are unique to you. In addition to the typical coverage, you just might need additional protection. These are called supplemental policies and they add further security for losses and/or events that might not be covered otherwise. Imagine losing a valuable family heirloom or your dog attacks someone, only to find out that these events weren’t covered under your standard policy.
Additional policies, such as these, are available to cover your needs:
- Valuable articles floater insurance policies (i.e. Jewelry or Fine Art Insurance)
- Flood insurance policies
- Earthquake insurance policies
- Umbrella insurance policies (additional liability coverage)
- Animal liability (liability issues due to household pets)
Your insurance must fit your life and cover your needs. One size does not fit all and that is why we are here, to get you the insurance you need at a price you can afford.
Give us a call today to learn more about our all-encompassing California homeowners insurance policies. One of our experienced agents will assist you with a thorough coverage evaluation, as well as offer you a range of home insurance quotes to fit your needs.
— Questions We Hear Most —
Frequently Asked Questions
What does homeowners insurance cover?
A standard homeowners policy covers the dwelling, other structures, personal property, additional living expenses if you cannot live in the home, and personal liability for injuries or damage you cause to others.
Does homeowners insurance cover earthquakes or floods in California?
No. Standard homeowners policies exclude earthquake and flood damage. Californians can add earthquake coverage through the California Earthquake Authority or a private carrier, and flood coverage through the National Flood Insurance Program or a private flood policy.
Is homeowners insurance required in California?
State law does not require it, but mortgage lenders almost always do. Even without a mortgage, homeowners insurance protects what is usually your largest asset.