Buyers Guide

Homeowners Insurance Basics

• Why I need homeowner insurance?
• Does the law require me to have homeowners insurance?
• What is homeowners insurance?
• What is a standard california home owner insurance policy?
• How does a condo or co-op policy differ from home owners?
• What do cancellation and non-renewal mean?

Buying California Homeowners Insurance

• How do I choose a homeowners insurance company?
• Where can I buy california homeowners insurance?
• What are some ways to get a low homeowners insurance rate?
• What kinds of coverage do I need?
• How is the cost of my home owner insurance policy determined?
• What information do I need to get a policy?
• Does my home owners house insurance policy cover flood and earthquake damage?
• What if I cannot find coverage?

Filing a Home Owners Insurance Claim

• What should I do if I experience damages to my home?
• How do I file a claim for home owners insurance?
• Why should I take a home inventory?
• How do I take an inventory?
• What things affect my home value and repair costs?
• Do I have to use only certain kinds of repair materials?
• Will my premium increase if I file a claim?
• What are my filing rights?

Homeowner Safety Tips

• Home security
• Pool safety
• Outdoor grills
• Lawnmowers
• Winter weather.
• Holiday decorations
• Mold hazards
• Remodeling
• Dog bites