Frequently Asked Questions
Everything you need to know about home insurance in California.
What is replacement cost vs actual cash value?
Replacement cost pays to rebuild or replace without depreciation. Actual cash value subtracts depreciation. For your home and belongings, replacement cost provides much better protection.
Do I need flood insurance in California?
While California isn’t known for floods, many areas are at risk. Standard home insurance doesn’t cover flood damage. Check your FEMA flood zone status and consider separate flood coverage.
How does the California FAIR Plan work?
The FAIR Plan is California’s insurer of last resort for fire coverage. If you can’t get coverage in the private market, the FAIR Plan provides basic fire insurance. We can help you apply and supplement it with a DIC policy.
What does California homeowners insurance cover?
Standard homeowners insurance (HO-3) covers your dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. It protects against perils like fire, theft, windstorm, and vandalism.
Still Have Questions?
The team at Los Angeles Home Coverage is happy to help. Get a free quote or call us today.