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California Home Insurance

home-insurance-quotes-300x200When buying a home, one of the things you will need to get is homeowners insurance. With homeowners insurance, you will have a policy that will protect you from having to spend large sums of money on repairs. In the state of California, you are required to get homeowners insurance so that your property is covered. Like any other insurance policy, there are a number of things that you will need to consider when getting a homeowners policy. These include what the policy covers, the average premium, how it compares to the national average and how to save money on your policy. By focusing on these things, you will be in great position to get a quality homeowners insurance policy as homeowner in California.

What Home Insurance Covers in California

After buying a home and getting a California Homeowners insurance policy, you will want to know what it covers. Fortunately, a California home insurance policy covers a number of things that will ensure that you and your home are protected. Homeowner’s insurance policies protect a number of structures such as the home, the garage and the deck. It also provides coverage for other structures on the property such as the shed and any fences.

Along with covering a number of property structures, homeowner’s insurance policies cover your personal belongings. You will be able to get coverage for things such as furniture, electronics and collectibles As a result, you will be able to easily replace any items that are lost, stolen or damaged.

home-insurance-quotes-300x200Homeowner’s insurance in California also covers natural disasters. In case your home is damaged in a mudslide or an earthquake, you will get compensation in order to pay for any damages. The policy will give you the funds to not only repair damaged property, but also replace structures that have been damaged as well.

Lastly, homeowner’s insurance provides liability coverage. Whenever a person gets injured in your home or on your property, you will have the ability to get compensation for it. For example, if someone who doesn’t live with you visits your home and gets injured, you won’t have to worry about paying any of their medical costs. You will also be protected from any potential lawsuits as well. Therefore, liability coverage is a very valuable part of any homeowner’s insurance policy in California.

Average California Homeowners Insurance Rates

Homeowner’s insurance in California requires you to pay a certain premium each year for coverage. The premium in the state is $974 per year. Compared to the national average, homeowner’s insurance in California is below average as the average homeowners insurance premium in the nation is $1132 per year. As a result, California homeowner's insurance is very affordable for those who wish to own a home in the state. By paying below average for homeowners insurance, California homeowners will be able to save a considerable amount of money.

Tips on How to Save Money in CA

Since homeowners insurance in California can be costly, it is important to find ways to save money. One of the best ways to save money on homeowner's insurance in California is to shop around. It will be a good idea to check out the premiums offered by a number of insurance companies and then compare them. You will also want to go over all of the available coverage in order to determine value. By following these steps, you will be in position to get the homeowners insurance you need at an affordable rate.

The easiest way to compare your options in California is to use our search tool at the top of this page. You need to enter your Zip and the system will provide you with the list of top insurers in your area.