When disaster strikes, what your policy covers — and what it doesn’t — matters more than you think.
Here’s what a strong California home insurance policy usually covers:
Coverage Type | What’s Covered | Typical Limit |
Dwelling Coverage | Rebuilds or repairs your home | Based on replacement cost |
Personal Property | Covers what’s inside your home | 50%-70% of the dwelling limit |
Liability Protection | Protects you if someone sues you for injuries or damages | $100,000 or higher recommended |
Additional Living Expenses | Pays for hotels and meals if your home is unlivable | 20% of the dwelling limit |
Don’t guess at your coverage. We’ll help you get it right.
Wildfire Risk: A Growing Threat for California Homes
Wildfires are a reality for many California homeowners. In some areas, one spark is all it takes to change everything. Standard home insurance policies usually cover wildfire damage, but in high-risk zones, finding affordable protection can be challenging.
We help you find comprehensive California home insurance — and when necessary, navigate options like the FAIR Plan combined with supplemental policies to close any gaps.
What Standard Home Insurance Doesn’t Cover
Not every risk a California homeowner faces is covered by a standard policy. Some of the biggest threats — like earthquakes and floods — require special protection.
If you want full protection, these coverages must be purchased separately. We’ll help you decide what’s right for your location and your home.
Additional Protection Smart Homeowners Choose
Even a good California home insurance policy has limits. Smart homeowners take the next step — adding the right enhancements to stay protected when the unexpected hits:
- Extended Replacement Cost: Covers rebuild costs if prices surge after a disaster.
- Ordinance or Law Coverage: Pays for extra costs to bring your home up to current building codes after a loss.
- Service Line Protection: Covers expensive repairs to water, sewer, or utility lines running to your home.
The right endorsements close the gaps and keep you fully protected.
What the California Department of Insurance Wants You to Know
In California, some homes are just too close to wildland brush, or located in areas where wildfire risk makes traditional insurance hard to find. When that happens, the California FAIR Plan steps in. It’s not luxury coverage. It’s basic protection — fire insurance when no one else will offer it.
For some homeowners, pairing a FAIR Plan policy with a separate difference-in-conditions policy fills in the missing pieces and brings peace of mind back home.
How to Save on California Home Insurance
Getting the right California home insurance shouldn’t break the bank.
Many carriers offer home insurance discounts that reward you for smart choices and safer homes. Bundling policies, installing safety devices, or upgrading your home’s fire resistance can all add up to real savings.
Ask your agent to review every discount available and make sure you’re not leaving money on the table.
- Bundle your home and auto insurance.
- Install security systems, smoke detectors, or smart home technology.
- Buy a newly constructed or recently updated home.
- Invest in wildfire mitigation upgrades.
Protecting your home with the right coverage is important. Getting every discount you deserve is just smart. We’ll help you do both.
What First-Time Homebuyers Need to Know
Buying your first home? Congratulations. Protecting it the right way matters just as much as buying it.
California homes face serious risks — from wildfires to rising rebuild costs. A smart home insurance policy shields your investment and your future.
Focus on replacement cost, not just price. Know how escrow works. Protect what matters most.
- Focus on rebuild cost, not market value.
- Understand how escrow works. Your lender usually pays your insurance from your escrow account.
- Think long-term. Even if it’s a starter home, it deserves full protection.
Insuring your first home properly sets you up for success.
Why Choose IronPoint for Your California Home Insurance?
You don’t just need a policy. You need a partner.
At IronPoint Insurance Services, we:
- Work with California’s top-rated insurers.
- Understand wildfire risks, earthquake needs, and flood challenges.
- Offer personal, expert advice — not just quotes.
When it comes to protecting your home, experience matters. So does having someone who knows California inside and out.
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