Buying a house is a big step in life that many Californian residents work hard to achieve. From the coast to the mountains, in the cities, suburbs and rural communities, everyone wants a safe, secure place to call home. But in order to be a responsible homeowner, you need the right homeowners insurance. Nationwide has been helping people protect what’s most important for over 85 years. We offer reliable homeowners insurance that can help you and your family in the event of water backup damage, theft, certain natural disasters and more.
Unlike California auto insurance, homeowners insurance is not required by law. However, if have a mortgage on your home, your lender will likely require home insurance.
California is a large market and has many home insurance companies to choose from. It can be hard to determine which one is the best for you. When buying California home insurance you want to focus on a few primary coverages and selections:
There are many other coverages and options to choose. Learn more about home insurance coverage or call an insurance agent for a full consultation.
There are 2,000 earthquake faults throughout the state and about four moderate earthquakes (with a magnitude of at least 5.5) each year, so nearly all Californians have experienced a quake or two. Earthquakes are a very real concern for most Californians. However, only 17% of homeowners have earthquake insurance. Your insurer may offer a version of earthquake coverage, but it’s not the best option. If you want earthquake insurance, you can also purchase this coverage through privately held companies and the publicly funded California Earthquake Authority. Not all insurance carriers participate in the CEA, check to see if your company is a member.
It’s an understatement to simply say California has wildfires. In fact, California suffers the worst wildfire seasons in the United States. While homeowners insurance generally covers losses and damages following a fire, it is more common these days to see insurance carriers not writing in fire prone areas or only offering a Difference in Conditions policy. Consult this map of fire-prone areas and the California Department of Forestry and Fire Protection’s website see if the your home is in a brush fire location.
When moving to California for the first time, or for long-time residents, insurance agents are a powerful way for you to get information on insurance and California regulations.
Of course, you should compare quotes to know the best rates available, and independent insurance agents can do that as well as the online quote aggregator sites.
Which ever way works best for you, we are available to help. You can call us to speak with an insurance agent, or compare quotes online.
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IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.