Homeowners Insurance in California: What It Does And Does Not Cover

If you are looking to buy a home in California, it is crucial you get homeowners insurance as soon as possible to protect you from the variety of accidents you could face, such as fire, smoke, and water damage, to name a few. However, it’s important to note that homeowners insurance doesn’t cover everything on your property, and you may need to supplement it with other types of insurance for maximum protection.

We have compiled a list of what homeowners insurance in California does and doesn’t cover as a guide for you.

Property Damage That Homeowners Insurance in California Covers

Most homeowners insurance in California will cover the cost of repairing or rebuilding your home and property after sustaining damage from fire, wind, hail, and in some cases, water damage. Other common occurrences of property damage, such as smoke damage from a nearby fire, vandalism, and falling trees, are typically covered by homeowners insurance in California.

Water damage is a more complicated scenario in regard to homeowners insurance in California. Typically, homeowners insurance will cover sudden water damage such as a water pipe bursting, but water damage that occurs over a long period of time is up to the homeowner to fix before it comes to an issue. Flooding may also not be covered by homeowners insurance. It is important you review the agreement with the insurance company before signing.

Personal Property Covered By Homeowners Insurance in California 

Personal property in a home is also protected in a homeowner’s insurance plan. Items such as furniture, electronics, and clothing are covered from damages and theft under typical homeowners insurance in California. However, more unique and luxury items, such as fine art and jewelry, will require additional coverage.

Homeowners Insurance in California Includes Liability Coverage

Accidents happen all the time, and if you are hosting outsiders in your home, you could be liable for a slip and fall accident or falling debris accident. Homeowners insurance in California covers legal fees to help fight your case and will pay for any damages, up to a point, if found liable.

What Loss of Use Covers

Unfortunately, large accidents occur that force you to temporarily leave your home. Loss of use coverage pays for hotels and other housing. It may also cover food and travel until your situation is dealt with.

What Homeowners Insurance in California Doesn’t Cover

It is important to remember that homeowners insurance in California protects you from unforeseen accidents, not routine maintenance. Water damage from a burst pipe or roof repairs is needed because a falling tree is covered. However, long-term water damage from poor maintenance or routine roof repairs is not covered by homeowners insurance. Additionally, specialty insurance such as earthquake and flooding are usually sold separately.

California Homeowners: Get Insured Today!

As you can see from the list, homeowner insurance protects you from a lot of potential accidents and unforeseen events. Without it, you could be paying a fortune out of pocket to make your home suitable once again.