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Home Insurance for
California Homeowners
Protect your home, belongings, and financial security with coverage tailored to your property and lifestyle.
Coverage tailored to your location and circumstances.
Access to multiple top rated carriers.
Simple guidance from a trusted independent agency.
Takes about 2 minutes - No obligation
What Does Your Home Insurance Cover?
Dwelling Insurance
Covers damage to your structure caused by done my covered events like fires, storms, and vandalism.
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Personal Property
Protects belongings like furniture, electronics, and furniture if they are damaged or stolen.
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Liability Protection
Helps protect you financially if someone gets injured on your property.
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Additional Living Expense
Helps cover temporary housing costs if your home becomes uninhabitable due to a covered loss.
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Additional Coverage Options
Flood Insurance
Protection against flood damages typical home policies don't offer.
Earthquake Insurance
Coverage for structural damages caused by earthquakes.
Valuable Item Coverage
Extra protection for jewelry, artwork, and high-value items.
Umbrella Liability
Additional liability protect beyond your home and auto limits.
Partnered With Top Insurance Carriers
We work with a number of the highest rated insurance carriers in the nation to ensure our clients receive the best Homeowners options at competitive prices.
Homeowners Insurance
Frequently Asked Questions
If you have any additional questions, please email info@bollinsure.com or get a review of all your insurance needs.
What does homeowners insurance typically cover?
Homeowners insurance generally helps protect the structure of your home, personal belongings inside the home, and liability if someone is injured on your property. Many policies also include coverage for additional living expenses if your home becomes temporarily uninhabitable due to a covered loss.
How much homeowners insurance coverage should I carry?
Coverage amounts depend on several factors, including the estimated cost to rebuild the home, personal belongings, liability exposure, and individual financial circumstances. A broker can help review your situation and discuss appropriate coverage options.
Does homeowners insurance cover natural disasters?
Coverage depends on the type of disaster. Many policies cover events such as fire, windstorms, and certain types of water damage. However, some risks such as earthquakes and floods may require separate policies or endorsements.
What is a deductible on homeowners insurance?
A deductible is the amount the homeowner pays out of pocket before the insurance policy begins paying for a covered loss. Policies may offer different deductible options that can affect premium costs.
Does homeowners insurance cover roof damage or leaks?
Homeowners insurance may cover roof damage caused by sudden or accidental events such as storms, wind, or falling objects. Damage that occurs gradually due to wear and tear or lack of maintenance is typically not covered. Coverage can vary depending on the policy and circumstances.
Why have home insurance rates increased in recent years?
Home insurance premiums can increase due to rising construction costs, inflation, natural disaster losses, litigation trends, and broader changes in the insurance market. Even homeowners who have not filed claims may see rate adjustments due to these industry-wide factors.
Do I need earthquake insurance in California?
Standard homeowners insurance policies generally do not cover earthquake damage. In areas where earthquake risk is higher, homeowners sometimes consider separate earthquake coverage to help protect against that exposure.
Can a broker help review my homeowners insurance policy?
Yes. A broker can review your current coverage, explain policy terms, identify potential coverage gaps, and help explore options with different insurance carriers if needed.
What is personal liability coverage on a home insurance policy?
Personal liability coverage helps protect homeowners financially if someone is injured on their property or if they accidentally cause damage to another person's property. This coverage can help pay for legal expenses, settlements, or medical costs depending on the situation.
What is the difference between replacement cost and actual cash value coverage?
Replacement cost coverage generally helps pay the cost to repair or replace damaged property without deducting depreciation. Actual cash value coverage factors in depreciation, which can result in lower claim payments.
What should I do if my home suffers damage or a loss?
If damage occurs, ensure everyone is safe, document the situation with photos if possible, and notify your insurance company or broker as soon as reasonably possible. Prompt reporting helps begin the claims process and allows the insurer to assess the situation.
Do Los Angeles homeowners need wildfire insurance?
We highly recommend creating a coverage plan that includes insurance for wildfires. Some companies, especially after the recent fires in California, have snuck in exclusions to policies.