Home insurance, or homeowners insurance, is an insurance policy that includes various personal insurance protections such as losses happening to a home (including contents of a home), loss from additional living expenses and personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home. It can include losses due to fire, burglary, vandalism, flood, earthquake and other disasters.  Typically, claims arising from natural disasters such as flood, earthquakes and hurricane are usually excluded. A homeowner can typically purchase specialty insurance for natural disasters or from "Acts of God".

The cost of homeowners insurance in California and other US states often depends on fair market value of how much it would cost to replace the house and it's additional contents. Most homeowners are required by mortgage lenders to purchase homeowners insurance as a condition of the loan, in order to protect the bank against future losses.

Looking for affodable homeowners (home) insurance in California? We provide coverage for all of California (Los Angeles, San Diego, San Fransisco, San Jose, Long Beach, Fresno, Oakland, Anaheim).

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