Frequently Asked Questions
Everything you need to know about home insurance in California.
How does the California FAIR Plan work?
The FAIR Plan is California’s insurer of last resort for fire coverage. If you can’t get coverage in the private market, the FAIR Plan provides basic fire insurance. We can help you apply and supplement it with a DIC policy.
What does California homeowners insurance cover?
Standard homeowners insurance (HO-3) covers your dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. It protects against perils like fire, theft, windstorm, and vandalism.
How much homeowners insurance do I need?
You should insure your home for its full replacement cost — not market value. This is the amount it would cost to rebuild your home from the ground up, including labor and materials at current prices.
What isn’t covered by standard home insurance?
Standard policies typically exclude flood, earthquake, sewer backup, and gradual wear and tear. In California, you may want separate earthquake coverage and should check your flood zone status.
Still Have Questions?
The team at Los Angeles Home Insurance Quotes is happy to help. Get a free quote or call us today.