Homeowners insurance that says what it actually covers.
A homeowners policy pays to repair or rebuild your house after a covered loss, replaces what's inside, and defends you if someone is hurt on your property. We are an independent agency in Yorba Linda. We quote California-admitted carriers and go through the exclusions with you before you sign anything.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
Homeowners insurance that says what it actually covers.
A homeowners policy pays to repair or rebuild your house after a covered loss, replaces what's inside, and defends you if someone is hurt on your property. We are an independent agency in Yorba Linda. We quote California-admitted carriers and go through the exclusions with you before you sign anything.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
What does a homeowners policy cover?
A standard California homeowners policy has six parts. Here is what each one pays for, and where the limits usually bite.
Dwelling (Coverage A)
Rebuilds the house itself after a covered loss. The limit should reflect what it costs to rebuild here — not what you paid or what it would sell for.
Other structures (Coverage B)
Detached garage, fence, pool house, block wall. Usually a percentage of Coverage A, which is often too small on properties with a lot of hardscape.
Personal property (Coverage C)
Furniture, clothing, electronics. Jewelry, firearms, and cameras have sub-limits that surprise people at claim time — we can schedule those items separately.
Loss of use (Coverage D)
Pays for a rental and extra living costs while the house is uninhabitable after a covered loss. In a total rebuild this coverage runs for a long time.
Personal liability (Coverage E)
Defends and pays if someone is injured on your property or you damage someone else's. This is the limit an umbrella policy sits on top of.
What it does not pay for
Flood, earth movement, and gradual leaks are excluded on nearly every policy. Water backup, ordinance and law, and roof settlement are common gaps we walk through line by line.
What else can be written alongside a home policy?
Some of the losses people assume are covered sit outside the homeowners form and need their own policy.
Earthquake
Earthquake damage is excluded from a standard homeowners policy. Coverage is written separately, including through the California Earthquake Authority, and it carries its own deductible that applies before the policy pays.
Flood
Flood is also excluded from a homeowners policy and is written as its own contract. We tell you whether your parcel sits in a mapped flood area and what a separate policy would cover.
High-value homes
Larger homes and homes with custom finishes often need a policy form built for them, with higher limits and coverage for the items a standard form sub-limits.
Mobile homes
Manufactured and mobile homes are written on their own form. We place them with California-admitted carriers and explain how the structure and contents limits work.
Vacation & secondary homes
A home you do not live in year-round is rated differently than your primary residence, and the policy form changes with how often it sits empty.
Cabins
A cabin is written on its own policy, with the access road, the brush around it, and the months it stays vacant all part of what a carrier looks at.
How does getting a homeowners quote work?
Four steps, and you can stop at any of them. Nothing binds until you say so in writing.
You'll know what's excluded before you sign.
Step 1: Tell us about the house
Year built, square footage, roof age, and any updates to the electrical, plumbing, or panel. If you have a current declarations page, send it — it answers most of this.
Step 2: We check which carriers can write it
Wildfire scoring, roof age, and prior claims decide who will offer terms. We tell you which California-admitted carriers are available for your address.
Step 3: We put the options side by side
Limits, deductibles, and exclusions in one comparison, in plain language. We flag the coverages the quote leaves out.
Step 4: You pick, we bind
We submit the application, confirm the effective date with your lender if there is one, and send you the documents.
How are homeowners premiums set in California?
What we can do is show you the quote and the exclusions page side by side, in writing, before you decide.
Carriers price from rates they file with the California Department of Insurance. The premium for your address comes out of that filing — the agency does not set it and does not mark it up.
What moves your number: the rebuild cost of the dwelling, the roof's age and material, the wildfire score for your parcel, distance to a fire station, claims in the last several years, the deductible you choose, and any endorsements you add.
What you can change: deductible, optional endorsements, and sometimes the wildfire score, by documenting mitigation work like ember-resistant vents or clearance around the structure.
Ask for a quote and we'll walk you through what it covers.
Non-renewed, or having trouble finding coverage?
Send us the notice or tell us what's been declined. We read it with you, check the California-admitted carriers we represent for your address, and explain the FAIR Plan with a companion policy where that's the route — and what each does and does not cover.
Mon–Fri 8:30am–5:30pm PTClosed weekends
Get a free non-renewal review →- Free review
- We read the exclusions with you
- Independent agency
Not sure this is the one? Start with what happened.
A notice says your policy ends at the renewal date and the carrier will not continue it.
Your carrier told you it will not renew your California policy.
Your address scores as high wildfire risk and carriers decline it or price it as such.
Someone handed you a California FAIR Plan quote and you are not sure what it leaves out.
Your renewal arrived with a higher premium and no explanation of what changed.
Escrow needs proof of insurance before your loan can fund.
Why people move their policies here.
What it's like to have one agency for everything.
You'll know what's excluded before you sign
We go through what the policy does not pay for — water backup, roof settlement, ordinance and law, wildfire smoke limits — while you can still change it. Surprises belong before the claim, not after.
The same two people know your whole file
Home, auto, business — it's all with the same office, and the same two people remember your last call. You never start over with someone new or re-explain your house at renewal.
Choices, explained side by side
We're an independent agency. We put several California-admitted carriers next to each other and show you the differences in writing, so the decision is yours to make.
Straight answers, in their words.
“PLACEHOLDER_ verbatim Kevin Cox review pending. Quote as written, including the typo; trim with an ellipsis if needed.”
“PLACEHOLDER_ verbatim Joni Mckamey review pending (names Tony).”
“One call, every policy in the house, and the same person every time.”
The things we can say plainly.
Independent agency
Choices from more than one company
Since 1981
Same office, same phone number
CA Lic. 0606906
Licensed throughout California
Written by people down the street
Licensed across California. Local to Orange County.
Anyone in California can call — we quote by phone and email and place policies statewide.
Orange County
- Yorba Linda
- Anaheim Hills
- Placentia
- Brea
- Fullerton
- Anaheim
- Orange
- Villa Park
- La Habra
- Buena Park
- Tustin
- Santa Ana
- Irvine
Los Angeles County
- Whittier
- La Mirada
- Diamond Bar
- Rowland Heights
- Walnut
San Bernardino County
- Chino Hills
Riverside County
- Corona
Need something alongside your home policy?
Liability, collision, and uninsured motorist coverage written with California-admitted carriers.
Life insurance for the people who depend on your income, plus annuities, disability, and business life.
Individual and group medical, dental, and vision, including enrollment through Covered California.
HO-6 coverage for the part of the unit the HOA master policy leaves to you.
Coverage for a property someone else lives in — the building, your liability, and the rent while it is being repaired.
Extra liability limit that sits above your home and auto policies once theirs run out.
Homeowners questions, answered plainly.
How much dwelling coverage do I need?+
Does homeowners insurance cover wildfire?+
What is not covered by a homeowners policy?+
Do I have to use the carrier my lender suggests?+
Send your declarations page. We'll tell you what it leaves out.
A licensed producer reads your current homeowners policy, checks which California-admitted carriers can write your address, and puts the options next to each other in plain language.
- 1Call or send the form
- 2We read your current policy
- 3You see the options side by side