Dwelling Coverage
Protects the physical structure against covered perils. Confirm replacement cost valuations and building ordinance or law coverage.
Contents Coverage
Insures personal or business property. Document inventory, consider riders for valuables, and review sublimits.
Liability
Covers bodily injury or property damage claims. Evaluate limits and consider umbrella policies for higher exposures.
Loss of Use/Business Interruption
Funds additional living expenses or lost income during covered events. Understand waiting periods and indemnity limits.
Deductibles and Premiums
Balance deductibles with cash‑flow. Increase deductibles to reduce premiums where appropriate.
Special Risks
Review separate policies or endorsements for flood, earthquake, and wildfire zones common in California.
Commercial Property
Assess occupancy, construction class, protection features, and business continuity plans. Maintain accurate valuations.
Risk Mitigation
Implement safety measures, defensible space for wildfire, and maintenance programs to reduce losses and premiums.
Claims Readiness
Store documentation securely, photograph property, and understand claims processes to expedite recovery.