Home policies generally exclude flood. Certain water damage from inside the home may be covered, but rising external water usually is not.
The state does not generally require it, but a lender often requires it for homes in high-risk flood zones. Owners elsewhere may still choose it.
A sole owner with no employees may not be required to carry it, but the rules depend on your structure. Confirm before relying on that.
No. California does not allow credit history to be used in pricing personal auto insurance. Rates rely mainly on driving-related factors such as record, experience, and miles driven. ...
The minimum meets the law, but a serious accident can exceed it. Many drivers choose higher limits for more protection.
January 1, 2025. Policies renewing on or after that date reflect 30/60/15.
Higher required limits can affect premium, but the amount varies by driver and policy. Reviewing options with an advisor is the clearest way to see the impact. ...
Many earthquake policies can include contents and loss of use in addition to the dwelling, depending on the coverage you select. Confirm the specifics on the policy. ...
Earthquake deductibles are set as a percentage of the coverage limit, which can be a large dollar amount. This structure reflects the region-wide nature of earthquake risk. Carriers commonly ...
Neither is universally right. The CEA and private insurers differ on terms and deductible options. Compare both against your home and needs with an advisor.
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