California is a state fractured by faults, rich with thick, combustible vegetation and vulnerable to violent storms.  Millions of Californians are exposed to natural hazards which may have disastrous consequences.

Following a disaster, federal recovery relief may be available to victims.

A list of California Insurance laws benefitting survivors of natural disasters.

Try this game. Sit in the kitchen with a pen and paper. Without looking, try to write down the entire contents of your living room. Now, check to see how many items were missed. Did you remember the drapes…the carpet…the rugs? Now try it again with every other room in the house. It may be surprising to see how many items you have overlooked. 

Shopping for your dream house? It’s important to keep insurance in mind throughout the home buying process. Most lenders won’t provide a mortgage without insurance coverage. Your insurance company or agent, together with your Realtor, can help you get what you want – a good home that is properly protected. 

Insurance is a highly competitive business and the price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. Companies offer several types of discounts, but they don't offer the same discount or the same amount of discount in all states. That's why you should ask your agent or company representative about any discounts available to you. Here are some things to consider when buying homeowners insurance.