Homeowner’s Insurance: What You Need to Know.
The views expressed in this article reflect current market observations and are intended for informational purposes only. Real estate conditions vary by location, timing, and individual circumstance. This article should not be construed as financial, legal, or investment advice. Please consult with a qualified real estate or financial professional before making any decisions.
The Home Insurance Guide
Published August 24, 2026
Written by Marty Rodriguez
Homeowner’s insurance is one of those things you don’t think about until you really need it. But making sure you have the right coverage can save you a lot of stress (and money) in the long run. Here’s a quick breakdown of what you should know:
What Does Homeowner’s Insurance Cover?
✔ Your Home. Protects against damage from things like fire, storms, and vandalism.
✔ Your Belongings. Covers personal items like furniture, electronics, and clothing.
✔ Liability Protection. Helps if someone gets injured on your property.
✔ Living Expenses. Pays for hotel stays or rentals if your home becomes unlivable due to a covered event.
What’s NOT Covered?
Most standard policies don’t cover floods or earthquakes. If you live in an area prone to these, you may need extra coverage.
A Note on California's Insurance Market
California's home insurance market has shifted significantly in recent years. Average premiums statewide are up sharply since 2020, and several major insurers have reduced or paused new coverage in the state. Many homeowners, especially in higher wildfire risk areas, are turning to the California FAIR Plan, the state's insurer of last resort. If you're buying or selling in one of our foothill communities, our Wildfire Impact article breaks down what this means for property values and coverage in more detail.
How to Keep Costs Down
Shop around and compare policies
Bundle home and auto insurance for discounts
Increase your deductible to lower monthly payments
Install safety features (security systems, fire alarms) for possible savings
If you're in a higher fire risk area, ask about mitigation credits for defensible space clearing, fire resistant roofing, or ember resistant vents
Review Your Policy Regularly
As home values and insurance rates change, it’s smart to review your policy yearly to make sure you’re fully covered.
Not sure if you have the right coverage? We work with the BEST insurance experts and we’d be happy to connect you with a trusted insurance expert!
Have questions about referrals or interested in a free home evaluation? Visit our page or call us at (626) 727-9481.
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