Homeowners Insurance in California
As Low As $69/month
Home Insurance At The Price You Can Afford
We shop multiple California homeowners insurance carriers to find you the best combination of
price and coverage for your needs.
We offer broad protection that you can trust, plus affordable rates, and outstanding service.
The plans we offer has protection for your dwelling, as well as your personal possessions and personal liability.
Had claims or been dropped? If you have claims on your record, your insurance company dropped or non-renewed you, or your home is in a brush area, we can still find you a policy. We have options other than the California FAIR Plan.
If something like fire makes your home uninhabitable, our plans will cover the increased costs of a place to live until you can move back in. Our plans replace personal belongings at replacement value – not the depreciated value.
Homeowners insurance can help protect you in case of a liability lawsuit against you.
This could occur in a situation where you are held responsible for:
- Injury to another person
- Damage to another person’s property
This could apply whether the incident occurred within your residence or elsewhere.
Because everyone’s needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners
insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.
damaged by a natural disaster, you’d
need money to repair or replace it.
liability protection and medical
coverage help pay expenses.
it can reimburse you for your
loss or pay for repairs.
your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
Things to consider and
questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
How Much Does
Homeowners Insurance Cost?
Every home is different, so prices vary. A regular homeowners (HO-3) policy starts as low as $69 a month. Brush-area homes and homes with prior claims start as low as $175 a month. Your price depends on the home’s location, age, size and rebuilding cost, the coverage limits and deductible you choose, and your claims history. Call us or request a quote and we’ll give you an exact price.
What to Do If Your Home Insurance
Is Dropped or Non-Renewed
- Don’t wait. Call us as soon as you get the notice, so there is time to shop before your policy ends.
- Have your paperwork ready. Your current declarations page and the non-renewal notice show us what you have now.
- Let us shop the market. We check carriers that still write homes with claims and homes in brush areas.
- Keep your coverage continuous. A gap in coverage can make a new policy harder to get. If you have a mortgage, your lender can also buy a policy for you, usually at a higher price, and bill you for it.
If regular coverage is not available for your home, the California FAIR Plan is the last resort. It covers fire but leaves out things like theft, water damage and liability. If you have a FAIR Plan policy, you also need a second policy called a DIC (Difference in Conditions) to cover what it leaves out. We check other options first, and if the FAIR Plan is the answer, we can set up both policies for you.
Insuring a Home in a
Brush Area
Homes near brush, canyons and hillsides are harder to insure in California, but not impossible. MIS works with carriers that insure brush-area homes, starting as low as $175 a month. Prices vary by home and location.
These steps can help you qualify and may lower your price:
- Clear dry brush and dead plants away from the house
- Keep the roof and gutters free of leaves and pine needles
- Use a fire-resistant roof and ember-resistant vents
- Trim trees so branches do not hang over the roof
Homeowners Insurance
Questions and Answers
My insurance company dropped me. Can you still insure my home?
Yes. If your insurer dropped or non-renewed you, we can still find you a policy. Call us before your current policy ends so there is no gap in your coverage.
Can I get homeowners insurance in a brush area?
Yes. We work with carriers that insure homes in brush areas, starting as low as $175 a month. Prices vary by home and location.
I’ve had claims. Can I still get covered?
Yes. Even with claims on your record, we can still find you a policy.
Do I have to go on the California FAIR Plan?
Not always. We have options other than the FAIR Plan, and we check those first. If the FAIR Plan is the only choice, we can set it up together with a DIC policy.
What is a DIC policy?
If you have a California FAIR Plan policy, you also need a second policy called a DIC, which stands for Difference in Conditions. The DIC covers what the FAIR Plan leaves out, such as theft, water damage and liability.
Does homeowners insurance cover earthquakes or floods?
No. Those need separate policies.
How much is homeowners insurance in California?
Prices vary by home. Regular homeowners (HO-3) policies start as low as $69 a month. Brush-area homes and homes with prior claims start as low as $175 a month. Call us or request a quote for an exact price.
What is an HO-3 policy?
HO-3 is the standard homeowners policy for a house you own and live in. It covers the home itself, your belongings and your liability.
How much homeowners insurance do I need?
Enough to rebuild your home at today’s construction costs, replace your belongings and protect your savings if you are sued.
What is the California FAIR Plan?
It is California’s insurer of last resort for homes that cannot get regular coverage. It covers fire but leaves out things like theft and liability.
Can you send proof of insurance to my lender?
Yes. We can send proof of insurance to your lender or escrow company.
What else do you insure?
We also offer condo insurance, landlord and investment property insurance, short-term rental insurance and renters insurance.
MIS Insurance provides homeowners insurance in all cities in California including: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Riverside, Stockton, Chula Vista, Irvine, Fremont, San Bernardino, Modesto, Fontana, Oxnard, Moreno Valley, Huntington Beach, Glendale, Santa Clarita, Oceanside, Garden Grove, Rancho Cucamonga, Santa Rosa, Ontario, Elk Grove