The structure
Rebuilding or repairing your house after fire, wind, and other covered losses, at today's construction costs.
Homeowners Insurance
Your house, your things, and your liability, in one policy. We estimate what it would really cost to rebuild, compare carriers that still write in your area, and give you straight answers on wildfire.
One policy behind the biggest thing you own
A homeowners policy does three jobs at once: it rebuilds the house, replaces what is inside it, and stands behind you if someone is hurt on your property.
What's inside
Furniture, clothing, and electronics, at home or anywhere you take them.
Your liability
Injuries to guests and accidental damage to others, including your legal defense.
Built for California homeowners
- First-time buyers closing on a loan
- Families upgrading coverage after a remodel
- Owners in wildfire-affected areas weighing options
- Anyone whose renewal jumped without explanation
What this covers, and what it does not
Typically covered
- Your houseRebuilding or repairing the structure after a covered loss like fire or wind.
- Your belongingsFurniture, clothes, and electronics, at home or with you when you travel.
- Personal liabilityIf a guest is hurt on your property or you accidentally damage someone else's.
- Somewhere to stayAdditional living expenses if a covered loss makes the house unlivable while it is repaired.
Not covered here
- FloodFlood damage needs a separate flood policy. Standard homeowners policies exclude it.
- EarthquakeIn California this is a separate policy or endorsement, commonly through the CEA.
- Wear and maintenanceA roof at the end of its life or a slow leak you knew about is upkeep, not a covered loss.
- Business activity at homeRegular business use of the home usually needs its own coverage.
Frequently asked questions
How much dwelling coverage do I need?
Enough to rebuild the house at today's construction costs, which is not the same as its market price or your loan balance. We estimate rebuild cost from the home's size, age, and features, and we review it at renewal because construction costs move.
Is wildfire covered in California?
Fire, including wildfire, is a core covered peril on standard homeowners policies. The real issue in California is availability: in higher risk areas some carriers decline to write, and the FAIR Plan plus a wrap policy can be the fallback. We walk you through the realistic options for your address.
What is the difference between replacement cost and actual cash value?
Replacement cost pays to repair or replace with new materials of similar kind and quality. Actual cash value subtracts depreciation, so older items and roofs pay out less. Where the choice exists, we quote both so you can see the tradeoff.
Will filing a claim raise my rate?
It can, and claim history follows you between carriers through shared databases. For borderline losses close to your deductible it is often worth talking it through before filing. We help clients think that through honestly.
Does my policy cover my home office?
A desk and a laptop are usually fine. Regular client visits, inventory, or business equipment beyond policy limits generally are not, and may need an endorsement or a small business policy. Tell us how you work and we will match the coverage to it.
Coverages that pair with this
Get a homeowners quote built around your house
Tell us about the home and how you live in it. We compare carriers and walk you through the tradeoffs in plain English.