Homeowners insurance typically covers:
- Dwelling Coverage: Protection for the structure of your home in case of fire, theft, or natural disasters.
- Personal Property Coverage: Protection for your personal belongings, such as furniture, electronics, and clothing.
- Liability Protection: If someone is injured on your property, this coverage helps with legal expenses and medical bills.
- Loss of Use Coverage: Pays for temporary living expenses if your home becomes uninhabitable due to a covered event.
Since California is prone to natural disasters, you may need to consider additional coverage for earthquakes or wildfires, which are not typically included in standard policies.
