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California Home Insurance

Insurance protection is an important aspect of home ownership. Home insurance covers your home — both inside and out.

California Home Insurance

For most people their home is the biggest financial investment they will make in life. With that being said, having the right insurance for it only makes sense. California home insurance protects you, the home and its belongings, all while providing you with liability safeguards should there ever be the unfortunate time when somebody becomes injured while on your property.

Coverages for California Homeowners

There are 4 standard types of coverages to a standard homeowners policy in California.

  1. Coverage for the structure of your home. Most standard home policies also cover detached structures such as a garage, tool shed or gazebo.
  2. Coverage for personal belongings inside your home.
  3. Liability for any injuries caused to other people at your home. It also pays for damage caused by your pets to another person’s property.
  4. Additional living expenses should a fire or other covered disaster make it so your unable to live in the house.

Properties Covered by Home Insurance

We can find you the right insurance policy for many types of homes including:

  • Single Family Dwellings
  • Condominium Owners
  • Manufactured and Mobile Homes
  • Multi Family Dwellings
  • Rental Properties
  • and many more!

Renting a house, apartment or town home? We can quote your Renters Insurance too!

Local Agents in Southern and Northern CA

The Insurance Store has locations in San Diego, Carlsbad, Temecula and Modesto allowing us to serve all of California. Because we are an independent insurance agency, we shop multiple carriers to find you the most competitive home insurance rates available for many areas in California including….

We are also licensed in 11 other western states and may be able to assist you in finding coverage for your home, auto or business, especially in Arizona, Nevada and Utah.

California Earthquake and Flood Insurance

Damage caused by weather events such as lightning and wind are covered, but there are a few exceptions. Floods and land slides are not covered by California home insurance.

Earthquakes are also not covered by a standard California home insurance policy and require a separate CA earthquake policy. Living in California, we all know “the big one” is due sooner than later. Knowing that, along with the fact SoCal is a seismically active area, this would be a great time to prepare for the worst and look into getting an earthquake insurance policy for your home.

Comparative Rates for CA Home Insurance

The Insurance Store can find you the right California home insurance coverage. Whether you are a home owner, own a condo, mobile home or need fire insurance for your rental property, we have you covered.

As an independent agent, we work for you, not the insurance companies. We quote with multiple California home insurance companies to provide you comparative rates and insure that you are getting the the most coverage for the best price.

Our agency represents many top insurance companies including Safeco, Allied, First American, Kemper, The Hartford, Foremost, Oregon Mutual, Arrowhead, Stillwater, Topa and many others.

Purchasing Homeowners Insurance in California

If you would like a personalized quote for California homeowners insurance please call us toll free at 800-354-8535. We have offices located in Temecula, San Diego, Carlsbad and Modesto. The TIS team is here to guide you through the process of finding the right home coverage. We hope to speak to you soon about your insurance needs, and look forward to serving you for many years to come.