California Home insurance is a standard policy and does not cover personal property damage, which is everything inside the dwelling such as furniture, clothing, jewelry, and may include appliances. A comprehensive California home insurance policy will cover personal property damage among other things that a basic California homeowners insurance policy does not. A standard policy does not cover all potential hazards such as expansive soils, landslides and hurricanes. For instance, if you live in an area that is prone to earthquakes or flood, it would be wise to have a policy that covers those items. Or if you live in an area where it snows heavily, you should consider a policy that includes coverage for damage due to pipes freezing or damage caused by the weight of snow or ice.
Another important option a comprehensive California home insurance policy provides is liability insurance which offers coverage for personal injury. This protects you in the event someone is injured on your California property due to an accident. It also includes coverage of their medical payments regardless of who's at fault and protects you and your family members from liability lawsuits. |
