Homeowners insurance quotes in Los Angeles
Buying a home or reviewing your renewal? Talk with a local agent about homeowners insurance, your property details and coverage questions. We can discuss options for your house, belongings and liability.
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Get directionsWhat a homeowners policy covers
- Your home
- The house itself, from fire, windstorm, theft, vandalism and sudden water damage.
- Other structures
- Garages, fences, sheds and detached buildings.
- Your belongings
- Furniture, clothes and electronics, at home or away.
- Extra living expenses
- Hotel and meals if you can't live at home after a covered loss.
- Liability
- If someone is hurt on your property or you damage someone else's.
Good to know
Earthquake and flood damage are not covered by a standard homeowners policy. Both can be added as separate policies.
In high wildfire areas, the California FAIR Plan can provide fire coverage when other companies won't. An agent will look at your address.
Common questions
Does my lender require homeowners insurance?
Yes. Lenders need proof of coverage before closing. Give the agent your lender and escrow details and we'll send the documents.
What is the difference between replacement cost and actual cash value?
Replacement cost pays what it costs to rebuild or replace today. Actual cash value subtracts depreciation, so it pays less for older items.
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