Your home policy reaches further than the building itself. We walk through dwelling limits, personal property, and liability so you understand what is and is not included before you sign.
What this includes
- Dwelling & personal property review
- Liability limits explained plainly
- Bundling reviewed with auto
- Annual policy check-ins
A home policy covers more than the building
Dwelling coverage rebuilds the structure, but a homeowners policy also protects your personal belongings, your liability if someone is hurt on your property, and the cost of living elsewhere while a covered loss is repaired. Knowing how those pieces fit is the difference between a policy that only looks cheap and one that actually responds when you need it.
The California gaps worth knowing
Standard homeowners policies generally exclude earthquake and flood, and wildfire exposure increasingly affects how — and whether — a home can be insured in parts of the state. We tell you plainly what your policy does and does not include, and what a separate policy or endorsement would take to close the gap.
Reviewed against your auto
Many households save by placing home and auto with the same carrier — but not always, and not if the bundled coverage is thinner. We check it both ways and only recommend bundling when it genuinely comes out ahead for you.
Descriptions on this page are summaries only. Coverage is subject to the terms, conditions and exclusions of the policy actually issued.
Talk to a broker who will still be there when you file.
Start online in under a minute, or call and we can bind most auto policies in the same conversation. Refer a client afterwards and we will send you $25.
- No obligation
- English & Spanish
- Carriers compared for you