Homeowners Insurance in California

Protect your home and belongings with comprehensive coverage. We compare rates from 20+ carriers to find you the best policy at the lowest price.

Golden shield with checkmark and house icon symbolizing home insurance, property protection, or real estate security, representing safety, trust, and risk management in housing.

What Homeowners Insurance Covers

A comprehensive homeowners policy protects your most valuable asset and everything inside it.

Dwelling Coverage

Protects the structure of your home including walls, roof, floors, and built-in appliances.

  • Fire and smoke damage
  • Wind and hail damage
  • Lightning strikes

Personal Property

Covers your belongings inside the home including furniture, electronics, clothing, and jewelry.

  • Theft and vandalism
  • Water damage
  • Personal liability

Liability Protection

Protects you if someone is injured on your property or you accidentally cause damage to others.

  • Medical payments
  • Legal defense
  • Settlement costs

Additional Living Expenses

Pays for temporary housing and living costs if your home is uninhabitable due to a covered claim.

  • Hotel expenses
  • Restaurant meals
  • Storage costs

Other Structures

Covers detached structures on your property like garages, sheds, fences, and guest houses.

  • Detached garage
  • Storage sheds
  • Fencing

Medical Payments

Covers medical expenses for guests injured on your property, regardless of fault.

  • Guest injuries
  • No-fault coverage
  • Quick claims payment

California Homeowners: Important Coverages

Protect your California home against the unique risks we face, including earthquakes and wildfires.

Earthquake Insurance

Standard homeowners insurance does NOT cover earthquake damage. California residents need separate earthquake coverage through the California Earthquake Authority (CEA) or private insurers.

Get Quote

Wildfire Defense

With California wildfires becoming more frequent, ensure your policy includes adequate coverage for fire damage, smoke, and evacuation costs.

Get Quote

Discounts That Save You Money

We offer multiple discounts to help you get the best rate on your homeowners insurance.

Safety Devices

Discounts for smoke detectors, fire alarms, and sprinklers

Security Systems

Alarm systems, deadbolts, and 24/7 monitoring

Multi-Policy

Bundle home with auto for additional savings

Paid in Full

Save by paying your premium annually

Protect Your Home Today

Get a free homeowners insurance quote and see how much you can save. We compare rates from 20+ carriers to find you the best coverage.