Homeowners Insurance Information
Here at Choice Plus Insurance we recognize the responsibility that comes with being a homeowner. We understand that it is vital to protect your home, and those who live inside, with California homeowners insurance.
We make it easy for you—with three simple steps to bigger savings:
1. Click on our free California homeowners insurance quote
2. Fill out the form
3. We find the coverage and rate you’re looking for!
Do I need home insurance in California?
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.
- If your home was destroyed by fire or damaged by a natural disaster (ask about earthquake insurance), you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender requires home owners insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance.
Ask your agent about what is covered and be sure to read your policy so you know exactly what's included and what is not.
When you talk to one of our agents have the questions below ready.
We recommend you discuss these with your agent to help with your homeowners insurance decision.
- 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.)