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California Home Insurance
Whether you've just purchased your first home or the one you plan to retire in, your home holds a special place. It's where your family gathers, memories are created, and your life in California unfolds. Ensure it's well-protected with a reliable home insurance policy.
What’s included in a California home insurance policy?
A typical California home insurance policy offers protection for things like liability, property damage, and the replacement of some personal belongings (though not all). The coverage amount depends on the limits set in your policy.
Liability Coverage
If someone gets hurt or their property is damaged while on your property or in your home, you’re responsible for covering their medical bills and repairs. Liability coverage helps pay for these costs, as well as any lawsuits or settlements that might come from the accident.
Property Damage
If your home or personal belongings are damaged by a fire, storm, or another covered event, your California homeowners insurance will help pay to repair or replace them. Your policy limit should be high enough to rebuild your home if needed, and the amount for replacing personal items is a percentage of that overall limit.
What perils are covered by home insurance in California?
Insurance policies vary based on the provider and the plan you select. However, most California homeowners insurance policies generally cover certain hazards that could cause damage or destruction to your home.
In California, the most common risks to homes are:
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Fire and smoke – California is prone to wildfires, making this a significant risk.
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Theft, vandalism, and malicious mischief – Urban and suburban areas may see higher rates of theft and vandalism.
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Water damage (but not flooding) – Leaks, burst pipes, and water damage from storms are common, though flooding requires separate coverage.
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Lightning, hail, windstorms – While less frequent than in other states, wind and occasional storms can cause damage, especially in certain regions.
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Damage from other vehicles – This can occur, especially in urban areas or if your home is near a road.
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Falling objects – Trees or debris from storms or earthquakes may cause damage.
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Explosions – Rare but possible, usually due to gas leaks.
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Damage from the weight of ice, snow, or sleet – Least likely, except in mountainous regions like the Sierra Nevada.
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Fire, theft, and water damage are the most likely in California based on the state's climate and geography.
What’s NOT included in standard California home insurance coverage?
Standard homeowners insurance in California doesn’t cover all risks, but you can add extra coverage to fully protect your home.
Earthquake Insurance
Earthquake insurance varies depending on your location in California, as the risk differs by city or region. Standard home insurance doesn’t cover earthquake damage, so you’ll need a separate policy to protect against it.
Flood Insurance
Flooding is distinct from typical water damage in your home and isn’t covered by a standard policy. You can buy flood insurance through the National Flood Insurance Program (NFIP) with George Park Insurance. If floodwaters start to rise, your homeowners insurance won’t cover it — only flood insurance will.
Purchasing a new home in California? George Park Insurance can help you begin this new chapter with the right home insurance coverage. Haven’t reviewed your policy in a while? We can assist in updating it to ensure your home is protected against any future events. Reach out to us today!
