Our California home insurance covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
Unlike driving a car, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners insurance coverage. As a top independent insurance broker, we have the ability to shop multiple carriers nationwide, and we have the knowledge and experience to get you the best possible home insurance in California.
Typical coverage packages for California home insurance can include protection for the following:
- The physical structure of your home
- Replacement cost
- Personal possessions
- Additional living expense (in the event of covered loss or a natural disaster)
In addition to these basic coverages, many homeowners need supplemental policies that add more security. Additional policies such as these are available:
- Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
- Flood Insurance policies
- Earthquake insurance policies
- Umbrella Insurance policies (additional liability)
- Animal Liability (liability issues due to household pets)
At Lucas Insurance Services, we know what may work for one California homeowner, won’t necessarily work for you. Give us a call today to learn more about our all-encompassing California homeowners insurance policies. One of our dedicated agents would be happy to provide you with a thorough coverage evaluation, as well as offer you a free home insurance quote right now!