Having a personal home in California is a great investment most individuals and families will ever make. It is typically the largest asset a family can have, including the additional investment such as furniture, appliances, clothing and family heirlooms. Damage or loss of a home and your personal belongings due to inevitable circumstances could be financially devastating.

Give all the expenses that comes with owning a home, it is essential to acquire a homeowner insurance. California homeowner insurance is an insurance policy available for those who own a home or even a condo unit, that protects you financially in the event that provides protection against a number or perils of modern life, all in one package. Perils that are typically covered by homeowner insurance policy for standard home or condo includes fire, hurricanes, lightning, hail, and theft. Damage due to floods, earthquakes, and poor home maintenance is generally not covered and may require separate provision on the insurance policy.

However, California home insurance is not required by law but most mortgage lenders in California requires to have homeowner insurance. California condo insurance is also available for those who live in a condominium.

A typical CA home insurance policy in California provides insurance protection for homeowner in the following conditions:

• Physical house or condo structure and other structures attached and detached to it like garage, pool house, guesthouse, green house, or tool shed
• Personal property such as furniture, appliances, or clothing inside your home or condo
• Loss of use or additional living expense covering cost of hotel bills, apartment or rental home, eating out, and other living expenses until the home or condo is being repaired if a home is damaged by a covered peril
• Protection and medical treatment against legal liability for bodily injury or property damage if a third party is accidentally injured at your home or condo

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