California residents know that unpredictable events, like weather extremes, have become the norm here. To protect your largest investment, your residence, homeowner insurance is a must.

We encourage homeowners to have homeowner insurance, and it’s probably required by your mortgage lender as well. Most folks don’t have the financial resources to repair or rebuild out of their own pockets after a serious storm or fire.

A homeowner insurance policy covers your dwelling in the event of many disasters, as well as vandalism and theft of property. The contents of your home are covered as well, including furnishings, appliances, electronics, clothing, and other personal effects.

You can also select a homeowner policy that pays for alternative living expenses if your home becomes uninhabitable. This is also sometimes called “loss of use” coverage.