Home Insurance in California

If there's one thing you rely on nearly every single day of your life, it's your Santa Clarita, CA home. The good news is, making sure you've got a roof over your head is as simple as getting home insurance from Quotebroker Insurance Services.

Mortgages and Insurance

Normally, you aren't required to have home insurance as a homeowner. There is no California law that states that homeowners must carry valid insurance. However, your mortgage lender will typically require you to have home insurance until you've paid off your home. If something happened to your home while you were paying it off and you didn't have insurance, you would have to pay out of pocket. Even after your home is completely paid off, it's still smart to have insurance.

What's Protected?

The interesting thing about home insurance is the array of stuff it covers. For starters, things like fire, smoke, and storm damage to your home are covered. In addition to that, your personal property is covered from theft. Home insurance also includes liability coverage in case you're held liable for bodily injuries someone may incur on your property.

Other structures on your property are also covered under your home insurance, even if they're not directly attached to your home. For example, things like sheds and garages are covered under typical California home insurance policies.

Additional Coverage

While these types of coverage aren't required, it's important to note that floods and earthquakes aren't covered under standard home insurance. If you want to protect your home from damage caused by floods or earthquakes, you'll have to purchase that coverage separately.

Owning a home means taking on a lot of responsibility but having good insurance can help take some of the pressure off of you. If you're looking for the best home insurance for your Santa Clarita, CA home, get a free quote from Quotebroker Insurance Services using our free online rating tool today.