What Homeowners Insurance Covers
A home policy protects more than the building. It covers the structure of your home, the things inside it, your liability if someone is hurt on your property, and the cost of somewhere to stay if your home cannot be lived in after a covered loss. The largest piece is your dwelling coverage, which pays to rebuild. Your dwelling limit should match what it costs to rebuild your home today, not what you paid or its resale value. If your home needs only structure and fire protection, ask us about dwelling fire coverage as well.
Setting the Right Dwelling Limit (H2)
Rebuild costs have risen as labor and materials have gotten more expensive. Many older policies now fall short, which can leave a homeowner paying the gap after a loss. When we review your home, we help set a dwelling limit that reflects real local rebuild costs. We would rather get this right now than have you discover a shortfall at claim time.
When Your Home Is Hard to Insure
Not every home is easy to cover in California right now. If you received a non-renewal notice, or a carrier called your home too risky, do not give up. We shop your home to more than a dozen A+ rated carriers, and a home one company drops is often fine for another. If the standard market cannot help, we use the California FAIR Plan for basic fire coverage and add a Difference in Conditions policy to fill the gaps. Together they act much like a standard home policy.
Coverages That Work With Your Home Policy
A home policy is stronger when it works with the right partners. Umbrella insurance adds liability protection above your home and auto limits, which matters if a large claim passes your normal coverage. And because standard home policies exclude quakes and floods, we can add earthquake and flood coverage where it makes sense for your home.
Frequently Asked Questions
How much homeowners insurance do I need?
Enough to rebuild your home, replace your belongings, and protect you from a liability claim. The key number is your dwelling limit, which should reflect today’s rebuild cost. We review your home and help you set the right limits so you are neither underinsured nor overpaying.
Does homeowners insurance cover wildfire?
A standard home policy covers fire, including wildfire, as a core peril. The challenge in California is not whether fire is covered, but whether a carrier will write your home. If your home is hard to place, we can use the California FAIR Plan plus a Difference in Conditions policy to build fire and full coverage.
Can you help if my home was non-renewed?
Yes. We handle hard-to-place homes every week. We shop your home to other carriers, and if needed we build coverage with the FAIR Plan and a wrap-around policy. Start early so you avoid a gap in coverage.
Can I bundle home and auto insurance?
Often, yes, and it can lower both bills. Because we are independent, we compare bundled prices across many carriers and show you where the real savings are.
CTA
Ready to protect your home the right way? Call Peterson & Grantham at (916) 431-0400 or request a quote. We will review your home, shop more than a dozen A+ rated carriers, and build coverage that fits, with no added fees.
