Frequently Asked Questions
Everything you need to know about home insurance in California.
Do I need flood insurance in California?
While California isn’t known for floods, many areas are at risk. Standard home insurance doesn’t cover flood damage. Check your FEMA flood zone status and consider separate flood coverage.
How does the California FAIR Plan work?
The FAIR Plan is California’s insurer of last resort for fire coverage. If you can’t get coverage in the private market, the FAIR Plan provides basic fire insurance. We can help you apply and supplement it with a DIC policy.
What does California homeowners insurance cover?
Standard homeowners insurance (HO-3) covers your dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. It protects against perils like fire, theft, windstorm, and vandalism.
How much homeowners insurance do I need?
You should insure your home for its full replacement cost — not market value. This is the amount it would cost to rebuild your home from the ground up, including labor and materials at current prices.
Still Have Questions?
The team at Los Angeles Homeowner Insurance is happy to help. Get a free quote or call us today.