One person handles your homeowners insurance
Homeowners Insurance
Your home, your belongings, and your liability. One policy, built around the house you own and the life inside it.
What it covers
- Damage to your home and other structures on the property, including fences, sheds, and garages
- Personal property: furniture, appliances, and other items in your home, up to a dollar amount
- Living expenses for a temporary change of address when your home becomes unlivable
- Liability coverage for your household
Who it suits
New homeowners and anyone whose house outgrew their old policy. Your home is likely your largest asset; the policy should be sized like it is, not like the starter home you had at twenty-five.
Worth knowing
Standard policies limit what they pay for jewelry, watches, art, and collectibles, especially by theft. Valuable items can be listed and insured individually; ask about it when you request a quote.
If wildfire damages my home, what does the policy pay for?
The policy covers destruction and damage done to your home and other structures on the property, including fences, sheds, and garages. It covers your personal property, such as furniture and appliances, up to a certain dollar amount. If the home becomes unlivable, it pays living expenses for a temporary change of address.
Are my belongings covered if fire destroys them?
Yes. Personal property coverage pays for the items in your home, including furniture, appliances, and other belongings, up to a certain dollar amount. That dollar amount is set in the policy itself when the policy is placed.
We had to evacuate. Does insurance help while we cannot live there?
If the home becomes unlivable due to a disaster, the policy pays living expenses for a temporary change of address. That is the coverage that answers an evacuation: where the household lives while the home cannot be lived in. The benefit is paid up to the dollar amount set in the policy.
What about the fence, the shed, and the detached garage?
The policy covers destruction and damage done to your home and other structures on the property, including fences, sheds, and garages. Outbuildings are covered as structures on the property, alongside the home itself. This is the coverage that pays to repair or rebuild what the fire damaged.
How should I think about the coverage amount?
Purchasing a home is a huge investment, and the coverage is sized to the house as it stands: the home and its structures, the belongings inside, and the living expenses if the home becomes unlivable. The quote conversation sets the dollar amounts for the house itself; no number here is a recommendation.
Common questions
What does homeowners insurance cover?
A standard homeowners policy covers damage to your home and other structures on the property, your personal belongings up to a dollar amount, living expenses if the home becomes unlivable, and your liability as a homeowner. Outbuildings include fences, sheds, and garages. Each coverage is a separate limit, set when the policy is placed.
How do I insure a Rolex or engagement ring in California?
Standard homeowners policies limit what they pay for jewelry and watches, especially by theft. Valuable items can be scheduled individually, listed with appraisals, for broader coverage than the standard limits. Ask about scheduling when you request a quote.
I bought my first home. What should the policy reflect?
It should reflect the home’s rebuild cost, the value of what is inside it, and your liability exposure. Rebuild cost and market value are different numbers, and the policy is sized to the rebuild. If the home is titled in a trust or LLC, say so at quote time so the policy names it correctly.
Related coverage
Prefer to talk it through? Call me at 818-981-8800.
A family agency since 1959.
Coverage descriptions are general information, not policy terms. Your quote is prepared for your situation.