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Earthquake Options

Supplemental earthquake coverage available

Fire Protection

Specialized coverage for high-risk fire zones

New Construction

Coverage programs for newly built homes

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About Los Angeles Homeowner Insurance

At Los Angeles Homeowner Insurance, we believe quality coverage shouldn’t break the bank. We work with high-net-worth homeowners across Beverly Hills, Bel Air, Malibu to find the sweet spot between comprehensive protection and affordable premiums. Smart coverage, honest prices — that’s our promise.

Copyright © 2026 Susman Insurance Agency · California Insurance License #OB75129

Los Angeles Homeowner Insurance | CA License #OB75129

825 South Barrington Avenue, Suite 200, Los Angeles, CA 90049

(877) 411-5200 | Mon–Fri, 9:00 AM – 5:00 PM PST

Frequently Asked Questions

What does homeowners insurance cover in California?

A standard California homeowners policy covers the dwelling, other structures, personal property, personal liability, and additional living expenses if a covered loss forces you out. Flood and earthquake are the two big exclusions — both require separate policies.

Does homeowners insurance cover wildfire damage in California?

Fire, including wildfire, is a core covered peril on standard homeowners policies. In higher-risk brush areas some carriers limit new policies, and the California FAIR Plan serves as the fallback fire coverage, usually paired with a wrap-around policy for everything else. An independent agent can tell you which carriers are writing in your area.

Do I need separate earthquake insurance in California?

Yes, if you want earthquake coverage — homeowners policies exclude it. It's purchased as a separate policy, most commonly through the California Earthquake Authority, and insurers that sell homeowners coverage in California are required to offer it to you.

How can I lower my California homeowners insurance premium?

The most reliable levers are raising your deductible, home hardening (roof, vents, defensible space in fire areas), bundling home and auto, and comparing multiple carriers. An independent agency shops several carriers at once instead of one company's rates. Call (877) 411-5200 to compare options.

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