Coverage designed for California homeowners’ unique risks

Tailored Home Insurance with Wildfire and Liability Protection

Our home insurance plans address California’s specific challenges, offering wildfire coverage and liability protection to safeguard your property and peace of mind.

Home Insurance Options for California Properties

Our home insurance plans cover standard risks and include specialized protection for properties in California’s high-fire zones. Coverage options extend to dwelling, personal property, liability, and additional living expenses.

We offer tailored wildfire coverage through the California FAIR Plan, ensuring homeowners in vulnerable areas receive essential protection. Liability coverage safeguards you against claims from accidents on your property, providing peace of mind.

Two-story beige house with a stone and wood porch. Manicured lawn, shrubs, and trees. Sunny day.

Homeowner

Darlene Baxter Insurance made securing wildfire coverage straightforward and affordable. Their team answered all my questions promptly and tailored a plan that fits my needs perfectly.

Black vertical line on white background.

Michael R.

Contra Costa County Resident

Clear answers for your home insurance questions

Home Insurance FAQs for California Homeowners

  • What types of home insurance coverage do you offer?

    We provide standard home insurance policies including dwelling, personal property, liability, and additional coverage options tailored for California risks such as wildfire protection and high-fire zone coverage.

  • How does wildfire coverage work in high-risk areas?

    Wildfire coverage protects your home and belongings from fire damage. For properties in high-fire zones, we offer specialized policies through the California FAIR Plan to ensure adequate protection where traditional insurers may limit coverage.

  • Can I customize my liability coverage?

    Yes, liability coverage limits can be adjusted based on your needs to protect against claims for injury or property damage occurring on your property, providing peace of mind for you and your family.

  • What should I do if I need to file a claim?

    Contact our agency promptly by phone or email. We guide you through the claims process, helping gather necessary documentation and working with the insurer to resolve your claim efficiently.