Home insurance, shopped for you.
We compare carriers for California homeowners, condo owners and renters, then explain the differences in coverage, not just price.
Coverage for every kind of home
Homeowners (HO-3)
Coverage for your house, other structures, belongings and liability, with replacement cost options.
Condo (HO-6)
Walls-in coverage for your unit, upgrades and belongings, set up to work with your HOA’s master policy.
Renters (HO-4)
Protects your belongings and covers you if someone is hurt in your rental. Many landlords require it.
Manufactured & mobile homes
Coverage for manufactured and mobile homes, whether on your own land or in a park.
What a home policy covers
Most California home policies have six main parts. We’ll walk you through the limit on each so there are no surprises at claim time.
Is earthquake damage covered?
No. Standard home policies exclude earthquake. It’s added with a separate earthquake policy. Ask us about options for your home or condo.
What about flood?
Flood is also excluded from standard home policies and needs a separate flood policy. Lenders require one for homes in high-risk flood zones.
Should my coverage match what I paid for the home?
No. Your dwelling limit should reflect the cost to rebuild, which can be very different from the market value or purchase price. We’ll help you set a realistic rebuild amount.
Can I bundle home and auto?
Often, yes. Many carriers offer a discount when you insure your home and cars together. We’ll compare bundled and separate options so you can see the difference.
I’m buying a home. When should I call?
As soon as you’re in escrow. Your lender needs proof of insurance before closing, and some homes take longer to place.
Get a home insurance quote
Start online, or call (949) 525-0570 and a licensed broker will help.