FAQs

It generally means you and the insurer agree on an item’s insured value up front, which can simplify a claim. Terms vary, so we can explain the details. ...

Coverage is often broader than a standard policy and may include accidental loss and mysterious disappearance. We can walk through the specifics.

No. Renting to guests is a different exposure, and a home you leave empty long term is treated differently again. Tell us how you use the property. ...

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.