About Homeowner's Insurance

Homeowner's insurance is one of the most important protections you can have. Most lenders require it — but even without a mortgage, it's essential to protect your home and financial security.

What a Standard Homeowner's Policy Covers

Dwelling Coverage (Coverage A)

Pays to repair or rebuild your home's structure if damaged by a covered peril — fire, windstorm, hail, lightning, vandalism, and more. Does NOT typically include flood or earthquake.

Other Structures (Coverage B)

Covers detached structures on your property: fences, detached garage, shed, pool. Typically 10% of your dwelling coverage.

Personal Property (Coverage C)

Covers your belongings: furniture, electronics, clothing, appliances. Usually 50–70% of dwelling coverage. High-value items (jewelry, art, collectibles) may need a separate rider.

Loss of Use (Coverage D)

If your home is uninhabitable due to a covered loss, this pays your additional living expenses (hotel, meals) while repairs are made.

Personal Liability (Coverage E)

If someone is injured on your property and sues you, this covers legal defense and damages. Also covers damage you or family members cause to others' property.

Medical Payments (Coverage F)

Pays minor medical bills for guests injured on your property — without requiring a lawsuit.

The CA FAIR Plan

California's insurer of last resort for high-risk properties. Peter pairs CA FAIR Plan with Bamboo or Aegis surplus lines insurance to fill coverage gaps and provide complete protection.