California Home Insurance: Protect Your Home and Finances

Not everyone in California lives on the beach or next door to a movie star. California home owners have to contend with thunderstorms, high winds and the occasional earthquake. There are blizzards in the mountains, blistering heat in the valleys, and wildfires can happen pretty much anywhere in California. But don't worry, keeping your home protected from these disasters is simple with California home insurance.

Home Protection

Basic home insurance covers damage from fires, storms, wind, even lightning. With a home insurance policy in place, you will be able to repair your home should a tree fall on it or hail damage your roof. If you have other structures on your property, like tool sheds or gazebos, your home insurance will cover damage to these as well. Californians need to be aware, however, that earthquakes are not part of a standard California home insurance policy, but earthquake insurance can usually be added separately.

Belongings Coverage

When a fire burns a home, it takes the contents with it. When you purchase a home insurance policy, items such as electronics, jewelry, sports equipment, even art, are all covered. The amount and scope of coverage varies from policy to policy, so if you have expensive items such as heirloom jewelry or pricy electronic equipment, you might think about purchasing extra coverage (often called a policy "endorsement" or "floater") to protect those specific items. To make sure that all your possessions are covered by your home insurance, keep an up-to-date home inventory.

Your Finances

An important part of home insurance is liability coverage. Should an accident happen in or around your home, liability coverage protects you from lawsuits. Let's say your Labrador decides to dig up your neighbor's prized rose garden. Your home insurance liability coverage will pay to replace the flowers. Or perhaps you are having a party and someone slips on the wet pool deck--the medical coverage portion of your home insurance will pay for the injured party's immediate medical care up to your policy amount. It is important to note that liability coverage covers injury to people and damage to property other than your own.

Compare Quotes and Save

The Golden State is beautiful, but disasters can happen. With California home insurance your home will be protected, no matter if you live in the Redwoods or Big Sur, Santa Barbara or Lodi. Get multiple free home insurance quotes for California home insurance at InsWeb.