The typical homeowners policy has two main sections: Section I covers the property of the insured, and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Usually, homeowners insurance is required by the lender to obtain a mortgage.
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Usually not. When a wildfire is burning nearby, insurers commonly stop writing new policies or increasing coverage for homes in the area until the danger has passed. These temporary restrictions ...
No. Standard California homeowners policies exclude earthquake damage, so you need a separate earthquake policy or endorsement. California law requires insurers that sell homeowners insurance to offer you earthquake coverage ...
California requires insurers to offer discounts to homeowners who take qualifying steps to reduce wildfire risk, under the state's Safer from Wildfires regulation. Upgrades that can count include a Class ...
