Home Owners Insurance

The biggest investment most people make in their lifetime is in their home. This is why it's critical to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan. Your home purchase is an investment deserving the highest level of protection.

Standard Protection

• Your house
• Other buildings on your property
• Personal belongings
• Additional living expenses
• Legal liability

For Additional Security

• Home Replacement Guarantee
• Replacement Cost on Contents
• Additional Coverage Form

Frequently Asked Questions

What is homeowners insurance?
Homeowners insurance is the type of property insurance that covers private homes. It covers things such as losses occurring to your home, its contents, loss of use, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen on your property.

What is actual cash value?
When "actual cash value" is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.

What is replacement cost?
When "replacement cost" coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.

Are earthquakes covered?
Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. As California is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy.