Read the coverage by category
Residential policies commonly separate coverage for the dwelling, other structures, personal property, additional living expenses, and personal liability. The amounts, deductibles, exclusions, and settlement terms vary by policy. A home’s market price is not itself a rebuild estimate.
- Ask how the dwelling limit was calculated and when the property details were last updated.
- Inventory valuable belongings and ask about any item-specific limits or scheduling options.
- Confirm how deductibles apply, including any separate wind, hail, or wildfire provisions.
If you receive a non-renewal notice
Keep the notice, declarations page, prior claims information, and any loss-mitigation records together. Start shopping early, compare policy forms as well as premiums, and ask each carrier or broker what information is needed for the address. The California Department of Insurance publishes consumer guidance and complaint resources.
Understanding the FAIR Plan
The California Department of Insurance describes the FAIR Plan as a basic property option for people who cannot obtain coverage in the regular market. It has coverage limitations and does not provide liability coverage. The Department advises consumers to read the policy and consider supplemental coverage, such as a difference-in-conditions policy, where appropriate.
Common questions
Clear answers start with the policy.
Does standard homeowners insurance include earthquake damage?
Earthquake coverage is generally not part of a standard homeowners policy in California. Review your policy and ask a licensed insurance professional about available options and deductibles.
What should I bring for a home insurance conversation?
Bring your declarations page, property details, renovation history, roof information, mitigation records, and any non-renewal notice. The insurer may request additional information.
Is a FAIR Plan policy the same as a homeowners policy?
No. The Department of Insurance characterizes it as basic property coverage with limitations. Read the policy and any companion coverage carefully.