FAQs

Homeowners policies typically limit how much they pay for categories like jewelry. Scheduling an item may provide broader coverage above that cap.

It is California’s insurer of last resort for basic fire coverage. We can explain how it and a companion DIC policy may work together for a home that is ...

Usually not. A secondary home is typically written on its own policy, often as a dwelling policy.

Longer vacancies often raise risk. Let us know the pattern of use so coverage can be structured appropriately.

Frequently, yes. Older and park-based homes are common in California, and we can walk through the options that may be available.

Often, yes. Many policyholders lease a space in a community, and coverage typically focuses on the home, contents, and liability rather than the land.

Typically not. In California these perils are usually separate, and we can explain how they may be added.

Coverage generally responds to a customer’s inability or failure to pay, not to disputes over whether you delivered as promised. Amounts in genuine dispute, and invoices outside the policy’s ...

It sometimes can. Transport and tie-down coverage may be added when a home is relocated, so let us know before a move.

Not necessarily. Coverage can be structured across your whole portfolio, on named key accounts, or on a single large customer, depending on your risk.