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Home Insurance In California

Home Insurance in California is very important for the people dreaming to own homes. Home insurance in California can help with covering loss or damage caused to your home due to accidents like fire and other natural calamities or perils. Home insurance covers other instances like lightning, earthquakes etc. 

Home Insurance in California

There are three major parts of your homeowners insurance.  

  • Dwelling coverage (your home’s structure) – ‘open perils’ 
  • Other structures coverage (your driveway, fence, shed, etc.) – ‘open perils’ 
  • Personal property (your stuff) – ‘named perils’ 
Home Insurance in California
Your Belongings

Homeowners insurance covers water damage 

When water damage is covered 

Generally, if the cause of the water damage is sudden and accidental, it’s covered by homeowners insurance. Homeowners insurance will cover both the structure of your home and the things in your home if they’re damaged by water. 

When water damage isn’t covered 

Home insurance in California doesn’t cover water damage when it stems from: 

Maintenance issues (like a continuous leak) 

Water backup from an outside sewage or drain 

A flood 

Homeowners insurance covers mold 

When mold is covered 

Mold is covered only if it’s caused by a covered loss, such as fire, lightning, ice, frozen pipes, etc. The mold has to be hidden in the walls, ceilings, or beneath floors to be covered. Take note that these situations are covered if they’re sudden and accidental.   

When mold isn’t covered 

If your pipes burst, and you didn’t do anything about it for a few weeks, that mold won’t be covered due to negligence

Homeowners insurance covers roof leaks 

When roof leaks are covered 

Here’s the general rule: Roof leaks are covered when they’re caused by sudden, accidental events. If your roof leaks because of falling trees, windstorm, hail, vandalism, or weight of ice/snow, you’re covered. 

When roof leaks aren’t covered 

Generally, roof leaks aren’t covered when they happen because of gradual events, such as: 


Mold, fungus 


Inadequate maintenance 

Birds, insects 

Insurance companies believe people can take steps to prevent roof leaks caused by these events. And like us, roofs need regular maintenance. 

Homeowners insurance covers tree damage 

When tree damage is covered 

Like other things, tree damaged is covered if the cause is sudden and accidental. If a windstorm causes a healthy tree in your backyard to topple, your homeowners insurance will cover the costs to get you out of this jam. 

When tree damage isn’t covered 

A tree in your backyard wasn’t looking so good. You knew it was rotting, but didn’t do anything about it. Then, a windstorm came about, and totally knocked the tree over, damaging your house. In this scenario, homeowners insurance may not have your back. 

Homeowners insurance covers theft 

When theft is covered 

Homeowners insurance covers theft both inside and outside your home. So if your phone’s stolen in a coffee shop, or someone snatches your bike from your garage, your homeowners insurance policy will cover you.If a burglar damages your doors or walls (which we hope never happens), you’re covered. 

When theft isn’t covered 

A few types of items require special attention when it comes to theft: cash, and valuable items. Generally a limit to how much your insurance company can reimburse you for stolen cash – it’s usually around $200. Therefore, not all of your stolen cash may be covered. 

Homeowners insurance covers termite damage 

When termite damage is covered 

If something sudden and accidental happens as a result of termites! So if your building abruptly collapses due to insect or vermin damage completely hidden from view (eek), you’re covered. 

When termite damage isn’t covered 

In all other cases, termite damage isn’t covered because termites are usually considered preventable. They don’t arise out of nowhere – homeowners are generally aware of a termite problem before they cause serious damage. 

Homeowners insurance cover roof repair 

When roof repair is covered 

Specifically, your roof is covered for all perils that cause damage, like fire, wind, and hail damage. So if your roof is damaged by a hail storm (ouch), or a tree that topples onto it during a windstorm, your policy will come to the rescue. 

When roof repair isn’t covered 

This may sound a bit familiar – roof repair isn’t covered if these things cause damage to your roof: 


Mold, fungus 


Inadequate maintenance 

Birds, insects 

And, just like everything else, roof repair isn’t covered if the damage is caused by flooding or earthquake. For these scenarios, you’ll want to purchase a separate policy. 

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