California Homeowners Policy Quick Overview
A standard homeowners policy in California typically includes:
- Dwelling coverage: Protects your home's structure.
- Personal property: Covers belongings (furniture, clothes, etc.)
- Liability: Protects you against lawsuits for injuries or property damage.
- Additional living expenses (ALE): Helps with living costs if you can't stay in your home due to a covered loss.
Common exclusions:
- Flood damage (requires separate policy)
- Earthquake damage (requires separate policy or endorsement)
- Maintenance-related issues (e.g., wear and tear)
California-specific:
- Wildfire coverage: May be limited or require additional coverage in high-risk areas.
- Earthquake coverage: Not typically included; consider adding an endorsement.