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California is plagued by wildfires, earthquakes, mudslides, and flash floods. The recent wildfires and earthquakes in California have forced some insurers to increase their premiums by more than 12%. Some insurers are refusing to write new home insurance policies altogether. Additionally, many Californians are misinformed about their homeowners insurance policies. For example, 35% of homeowners think that damages from earthquakes are covered under a standard homeowners insurance policy. Approximately 68% think homeowners insurance covers vehicles stolen from or damaged on their property; 34% think damages from mold are covered; and 31% think damages from termites are covered.

What Does a Homeowners Insurance Policy Cover?

A home insurance policy purchased in California will cover the following:

• Damage to real property (i.e., your home's structure).
• Damage to personal property (i.e., the contents within the walls of your home).
• Additional cost of alternate living arrangements (i.e., alternate living arrangements including hotel and food for a specified period of time, during which your home is deemed uninhabitable).
• Personal liability lawsuits (i.e., protection against non-auto and non-business lawsuits).
• Medical payments (i.e., coverage for medical expenses for those who are injured in a non-auto accident on your property, regardless of fault).

Homeowners Insurance Requirements in California

Although California state law does not require you to purchase homeowners insurance, your mortgage lender does require you to have a policy in place for the duration of the loan. If you own your home outright, nothing prevents you from going insurance-free, but it is highly recommended that you purchase insurance to protect against loss or damage to your property or liability lawsuits.

Get free quotes here for affordable California homeowners insurance.