Comprehensive protection for the home you live in and your belongings against fire, flood, burglary, and storm damage.
Whether you own your home or rent, the place you live is probably your biggest financial asset — or your biggest financial risk if something goes wrong. We shop California's top carriers to build a policy around your actual home and belongings, not a generic template.
A standard homeowners policy protects the structure of your primary home, your personal belongings inside it, and you personally if someone is injured on your property. In California, we also pay close attention to wildfire risk, brush zones, and whether your home qualifies for standard carriers or needs FAIR Plan coordination.
If you rent, your landlord's policy covers the building — not your furniture, electronics, or clothing, and not your liability if you accidentally damage the unit or someone's hurt while visiting. Renters insurance is inexpensive and covers exactly those gaps.
Home & Renters covers the primary residence you actually live in. If you own a rental, vacation home, or other property you don't live in full-time, that falls under our Property Insurance coverage instead.
Yes. Standard homeowners and renters policies exclude flood damage. See our Specialty & Other page for flood coverage options.
The FAIR Plan is California's insurer of last resort for homes in high wildfire-risk areas that standard carriers won't cover directly. We can place FAIR Plan coverage and pair it with a difference-in-conditions policy for full protection.
Many California landlords now require it as a lease condition. Even when it's not required, it's one of the least expensive policies you can carry relative to what it protects.
Most clients bundle two or more of these — ask us about multi-policy discounts.