California Home Insurance
Your home is one of the largest investments you'll make
during your lifetime—and you want to protect it. That's why we started our
free referral service: to help you find the best homeowner’s insurance at a
price that fits your budget.
Too Much, Too Little—Just Right!
OK, so homeowner’s insurance isn't an option in
To figure this out, start by examining these
factors particular to your home:
- Your
home's construction
- Its age
- Its
contents
- Your
monthly finances and budget
Make it your goal to buy just enough insurance to provide
adequate coverage in case of a loss, but not so much you can't afford to pay
your premium. Talk to an insurance agent to find out what this means for you,
since every situation is unique.
A Matter of Trust
One of the best ways to ensure your family's future security
and safety at home is to get sound advice. A licensed home insurance agent will
be able to help you out. When searching for an agent or company, we recommend
you:
1.
Choose one that is state licensed.
2.
Comparison shop to make sure you get the most coverage for your money.
3.
Check each company's professional rating through firms such as A.M. Best,
Standard & Poor's or Weiss Ratings. These independent services
provide you with the company's history, financial stability and customer
service scores.
A Shaky Subject
The threat of earthquake is a major concern for most
Californians. Though the standard homeowner's policy doesn't cover
earthquake-related damage, the state of
Most private insurers can integrate earthquake coverage into
your policy. If you choose one that can't, separate
earthquake coverage is available through a company underwritten by the
California Earthquake Authority (CEA).
For more information on homeowner's insurance and earthquake
coverage, contact the
