Homeowners Insurance Information
Insurance for Homeowners Across California
California is a unique and beautiful state that offers as many benefits to homeowners as it does risks.
Hooper, Spuhlerr & Sturgeon Insurance Services has served California homeowners since 1922. With a dedicated staff and high-quality customer service, we work hard to match you with an insurance policy that fits your home and your wallet. Our insurance professionals listen to your needs and concerns to answer any questions you have about protecting your home.
What Does Home Insurance Cover in California?
A basic home insurance policy in California may include:
Dwelling Coverage: Dwelling coverage provides compensation for damages to your physical home and its attached structures in case of fire, wind, hail, lighting, smoke, theft, vandalism and more.
Personal Belongings Coverage: Personal belongings coverage provides compensation for damages to your personal items caused by fire, lightning, smoke, theft, vandalism and more.
Liability: Liability insurance covers bodily injury and property damage other people may suffer on your property. This can also extend to damage and injury caused by your pets.
Additional Living Expenses: Additional living expenses help with the cost of temporarily moving after the home is rendered uninhabitable by a disaster.
Additional coverages offered by Hooper, Spuhler & Sturgeon Insurance Services include:
Ordinance or Law Coverage: Law and ordinance coverage provides compensation if you have to make unexpected updates or repairs to your home to meet the city’s law or ordinance.
Home Sharing Coverage: Home sharing coverage is an optional coverage that can help cover renters renting a room in your home.
Scheduled Property Insurance: Scheduled property insurance can extend your basic home insurance coverage to include expensive items, such as jewelry and art.
Is Home Insurance Required in California?
State law doesn’t require California homeowners to carry home insurance. However, mortgage lenders will require you to carry at least the amount of home insurance it takes to cover your mortgage. If you do have a home insurance policy, it must cover fire damage that results from earthquakes.
As an independent agency, we have access to multiple carriers and offer long-term relationships built on respect and trust. Call Hooper, Spuhler & Sturgeon Insurance Services at or fill out an online quote form today.
Common Home Insurance Questions
Is Home Insurance Expensive in California?
Home insurance premiums vary depending on several different factors. Your location, the value of your home, credit score and claims history all have an affect on your home insurance rates. Call us or fill out an online form to get a quote today.
How Much Home Insurance Do I Need?
In general, you should have at least 80% of your home’s total replacement cost value in home insurance. Contact an agent at Hooper, Spuhler & Sturgeon Insurance Services to discover how much home insurance you need to protect your belongings.
Who Needs Home Insurance?
Home insurance is critical for practically all homeowners. Whether you’ve paid off your mortgage or not, your home faces a lot of risk to bad weather and natural disasters. Without home insurance, you could be left to pay for repairs to your home out of pocket.
Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.