California is one of the most beautiful states in which to live. We love our weather, the scenic coast, and the
surf on the beaches. California does however have its challenges when it comes to homeownership and protecting our
property.
Homes are very expensive and it can cost a lot to insure it for the proper value. We also have the added risk of
natural disasters
such as wild fires and earthquakes. In 1944 California faced a devastating earthquake and in 2018 flash floods.
Before disaster strikes you should make sure that you are not under insured and that you have the right coverage for fire, flood and earthquake.
Check your policy
for limitations that may only be listed in the fine
print.
Can I compare insurance rates in California
The California Department of insurance provides a tool to do just that, compare home insurance rates with the
Homeowners Insurance Comparison Tool. By entering the amount of insurance you need, the age of your home, your city/county it will display a table of
insurance providers with their estimated rates. It also lets you price out
earthquake insurance. Additionally it provides resources to
check on complaints against the company and the consumer phone number if you decide you want more information.
Am I undersinsured for my Califonia home?
Dealing with the loss of a home is hard enough, imagine finding out afterwards that the insurance payout will not be enough to rebuild?
Don't get caught in that situation. Check around quotes and agents you can trust to give you the right appraisal of the insurance required.
Additionally don't forget to make adjustments if the value of your home increases. If you add a new porch, put in a pool or finish
your basement, the replacement cost has just gone up considerably and your insurance may need adjustments.
More resources for home insurance in California
Here are some
interesting articles and sites that can help you navigate the waters of buying home insurance in California.
