Home and Renters Insurance for California Residents
California is a beautiful state, but it also presents a lot of dangers to its residents. With storms and earthquakes a frequent threat, anyone owning or renting a home in California needs a reliable insurance policy.

A-MAX Insurance is an independent agency that understands the threats facing California residents. We work with a variety of carriers to find you cheap premiums for comprehensive and reliable coverage.

How Much Home Insurance Do You Need?
Every homeowner has different needs. Each should have enough coverage to cover the replacement value of their home, but that value varies. When calculating your home’s replacement value, keep in mind that this amount is different than the price you paid for the home. Instead, the replacement cost value of your home is a combination of the square footage and the amenities and fixtures within the home.

Most home insurance policies in California come with:

• Dwelling: Dwelling coverage helps cover the physical home from fire, smoke, lightning, wind, hail and more.
• Personal Possessions: Personal possessions coverage covers your personal belongings from the same dangers as covered under dwelling.
• Liability: Liability coverage for home insurance steps in if you or a family member causes bodily injury or property damage to someone else.
• Additional Living Expenses: Additional living expenses, or ALE, helps with the expenses of moving somewhere else temporarily while the home is being rebuilt or repaired after a disaster.

Common exclusions include floods and earthquakes. In California, earthquake insurance is crucial. Thankfully you can purchase this coverage as an additional policy.

What Does Renters Insurance Cover in California?
Renters insurance is similar to home insurance, as it works to cover your personal possessions, personal liability and additional living expenses in case of a disaster. The main difference is that renters insurance doesn’t cover dwelling. The physical dwelling of the rented property should instead be covered under your landlord’s insurance.
As with home insurance, renters insurance policies often exclude flood and earthquake damage. You can also purchase earthquake coverage to add to your renters insurance policy.

Insure Your Home Today
Whether you rent or own a home, having a good insurance policy can be the difference of recovering easily after a disaster or struggling to recoup your losses. A-MAX Insurance works closely with you to find and tailor a policy to cover you, your family and your belongings. Give us a call today at 888-750-9775 or fill out an online form for a free quote today.

FAQ

How Does Earthquake Insurance Work in California?
Earthquake insurance can be bought separately to add to your home or renters insurance policy. This coverage will compensate for damage done to your home and personal belongings caused by an earthquake.

What Does Earthquake Insurance Cost in California?
The price of earthquake insurance varies wildly. Deductibles are usually around 15% of the home’s total value, while the premiums cost between $800 to $5,000 a year.

Why is Earthquake Insurance So Expensive?
Earthquake insurance in California is more expensive than other states due to the high volume of earthquakes and claims that occur each year in the state. A-MAX Insurance will help you find affordable earthquake insurance for your home or apartment.