California Homeowners & Renters Insurance

Think of California homeowners insurance as a package policy. It not only covers property structures like your house or condo, it also covers personal possessions and liability. There’s a lot to it, and you need to know what is and what is not covered. This is true whether you’re a new home buyer, a long-time owner of a house or condo, or an apartment dweller. Be it in Los Angeles or anywhere in California, your home is most likely your largest budget item and your most valuable possession.

Since it is a package policy, your homeowners insurance might include coverage you didn’t even know about. Does your policy cover theft of your luggage and belongings while you’re travelling? What if there’s a fire and your house burns down leaving you without a roof over your head? You know your house is covered, but does your policy cover you interim living expenses?

When you shop for California homeowners insurance with the Malcolm Brown Insurance Agency, it’s questions like these that we keep in mind and make sure you’re aware of so you can get the maximum coverage for your insurance dollar.

With us, you are not tied to the policy of a single insurance provider. We bring to you policies offered by dozens of top providers so that you can get the best homeowners policy to meet your needs and budget.

Below are a series of questions you might consider and raise with us while looking for your best-fit homeowners insurance, condo insurance, or renters insurance.

Do I really need insurance for my home?
My homeowners insurance is part of the payment I make each month to the mortgage company. Who decides what insurance to get?
What does a homeowners policy cover?
Against which perils is my property protected?
What about floods, earthquakes and other catastrophes?
Are there any exclusions I should know about?
Are the backyard shed and my TV both covered in my homeowners policy?
Who decides how much my property is worth?
How much will I be paid for damage to my personal property?
I rent out my basement. Are my tenants covered by my homeowners policy?
My mother lives with us in a separate in-law suite. Are her possessions covered?
What about our vacation home in the next state?
Does my policy cover my possessions even when I go on vacation?
I work out my home. Are my inventory and business property covered?
Help! I’ve lost everything! Where do I start?
Why does the insurance company want to know where the nearest fire hydrant to my home is?
Is there anything I can do to lower my premiums?
Who keeps an eye on the insurance companies?
What do I do when my property is damaged or stolen?
What if I am sued or found liable for injury to another person?
I am a renter, not a homeowner. Do I need insurance?
Isn’t my apartment covered under my landlord’s policy?
How are prices determined for renters insurance?
I live in an apartment with three roommates. Do we each need a policy?
I own a condo. How is my policy different?

Some content reprinted with permission from Trusted Choice®; www.TrustedChoice.com