Home & Residence Insurance
Insurance for every kind of California home.
"Home" means something different to everyone. Whether you own a house, live in a condo, or manage an investment property, we protect the places that matter to you. Best of all, our team specializes in finding coverage where others can't — including hard-to-place homes in high-risk wildfire zones.
What's Covered
What home insurance can include
Every policy is tailored — these are the building blocks we'll mix and match for you.
Dwelling & Other Structures
Rebuild-cost protection for your home, garage, fences, and outbuildings — with extended replacement cost options.
Personal Property
Covers furniture, electronics, clothing, and belongings, at home or anywhere in the world.
Liability & Medical Payments
Protects your finances if a guest is injured on your property or you're held responsible for damage.
Loss of Use
Pays for temporary housing and living expenses if a covered loss makes your home unlivable.
Quote your home coverage
Two minutes now, a licensed California agent on it within one business day.
Good to Know
Home insurance questions, answered
Can you help if my home is in a wildfire zone?
Yes. We work with admitted carriers, surplus lines markets, and can pair the California FAIR Plan with a wrap-around policy so you keep full liability and contents protection.
Does homeowners insurance cover earthquakes?
No — earthquake coverage is excluded from standard policies in California. We can quote a separate earthquake policy through the CEA or private markets.
What's the difference between market value and rebuild cost?
Your policy should cover what it costs to rebuild — labor and materials — not what your home would sell for. We run a replacement-cost estimate on every home we quote.
More Personal Insurance
Let's get your home coverage right.
One conversation with an independent agent beats hours of online forms. We'll compare the market and explain your options in plain English.