Frequently Asked Questions
Everything you need to know about home insurance in California.
What isn’t covered by standard home insurance?
Standard policies typically exclude flood, earthquake, sewer backup, and gradual wear and tear. In California, you may want separate earthquake coverage and should check your flood zone status.
How can I lower my California home insurance premium?
Bundle with auto insurance, increase your deductible, install security systems, maintain a good credit score, and shop multiple carriers. We compare rates from top carriers to find you the best price.
What is replacement cost vs actual cash value?
Replacement cost pays to rebuild or replace without depreciation. Actual cash value subtracts depreciation. For your home and belongings, replacement cost provides much better protection.
Do I need flood insurance in California?
While California isn’t known for floods, many areas are at risk. Standard home insurance doesn’t cover flood damage. Check your FEMA flood zone status and consider separate flood coverage.
Still Have Questions?
The team at Affordable Home Insurance California is happy to help. Get a free quote or call us today.