California’s home insurance market has changed. Several major insurers have limited new policies in recent years, and many homeowners are seeing higher premiums or non-renewal notices. If you own a home in San Diego County, understanding your homeowners insurance options is more important than ever.
What Homeowners Insurance Covers
A standard homeowners policy usually includes:
- Dwelling: repairs or rebuilding of your home after a covered loss.
- Other structures: fences, garages and sheds.
- Personal property: furniture, electronics and belongings.
- Loss of use: extra living expenses if you have to move out during repairs.
- Personal liability: if someone is injured on your property.
- Medical payments for guests.
What It Usually Does Not Cover
- Earthquakes: require a separate earthquake policy.
- Floods: require separate flood insurance.
- Normal wear and tear and maintenance issues.
Why It Is Harder to Get Coverage in California
Wildfire risk, rising construction costs and regulatory changes have led some carriers to reduce new business. In high-risk areas, homeowners may need to combine the California FAIR Plan for fire with a separate policy for other coverages. An independent agent can help you find the best available option for your address.
How to Save on Home Insurance
- Bundle your home and auto policies.
- Raise your deductible.
- Install smoke detectors, alarms and security systems.
- Update roofing, wiring and plumbing.
- Create defensible space if you live near brush.
How Much Coverage Do You Need?
Insure your home for its replacement cost, meaning what it would cost to rebuild today, not its market value. Review your limits every year, because construction costs change.
Protect Your Home
Border Insurance Services can review your home, compare options and explain your coverage clearly. Request your homeowners quote today.