Personal Insurance
Home Insurance in California
Your home is more than a building. It is where your family creates memories, builds stability, and feels safe. WeInsureCali provides homeowners insurance that protects your investment from California's unique risks, from wildfire exposure to water damage.
What Is Covered
Coverage at a Glance
Dwelling Coverage
Pays to repair or rebuild your home if it is damaged by a covered peril like fire, windstorm, lightning, or vandalism. This should cover the full replacement cost of your home, not the market value.
Personal Property
Covers your furniture, electronics, clothing, and other belongings if they are damaged, destroyed, or stolen. We help you document your possessions so claims go smoothly.
Liability Protection
If someone is injured on your property or you accidentally damage someone else's property, liability coverage pays for legal defense and settlements up to your policy limits.
Additional Living Expenses
If your home is uninhabitable after a covered loss, this coverage pays for temporary housing, meals, and other increased living costs while your home is being repaired.
Other Structures
Covers detached garages, fences, sheds, and other structures on your property that are not attached to your main dwelling.
Medical Payments to Others
Covers minor medical expenses for guests injured on your property, regardless of fault. This can help prevent small incidents from turning into lawsuits.
California Context
Why This Matters in California
California is one of the most wildfire prone states in the country. Even if your home is not in a designated fire zone, smoke and ember exposure can cause significant damage.
Mortgage lenders require homeowners insurance as a condition of your loan. Without it, the lender can purchase expensive force placed insurance and charge you for it.
California home values are among the highest in the nation. The average home in San Joaquin County is valued over $400,000, meaning a total loss without insurance could be financially devastating.
Water damage is the number one homeowners insurance claim in California. From burst pipes to slow leaks, water causes billions in damage statewide every year. Farmers now requires water leak detection devices on new and renewed policies.
California law provides specific protections for homeowners during declared disasters, including a moratorium on policy cancellations and a right to full replacement cost coverage in many situations.
Important
New requirement: Farmers Insurance now requires a water leak detection device with automatic shutoff on all new and renewed home policies. This protects your home from the number one cause of insurance claims. Learn more on our water detection page.
Water Leak Detection: Required for Your Policy
Water damage accounts for more homeowners insurance claims than any other peril in California. To combat this, Farmers Insurance now requires all policyholders to install a water leak detection device with automatic shutoff capability.
The recommended device is the Moen Flo Smart Water Monitor, which monitors your plumbing system around the clock and automatically shuts off the water supply if a leak is detected. Bundles start at approximately $750, with complex home installations running $1,100 to $1,300.
Important
If your home does not have an approved water detection device, your policy may not be renewed. Contact us today to learn about your options and schedule installation.
Common Questions
Frequently Asked Questions
Related Coverage Options
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