Property Insurance

A homeowners or dwelling property policy commonly addresses the dwelling structure, other structures on the premises, personal property, and additional living expense or loss of use after a covered loss. Named or open perils often include fire and lightning, windstorm and hail, smoke, vandalism, theft (where the form allows), certain water damage from sudden plumbing failures, and liability for injuries on the premises when the package includes liability. Exact perils, limits, and valuation (replacement cost vs. actual cash value) follow the policy forms and declarations — not a brochure list. Homes being built or reconstructed may need a separate builder’s risk placement until the dwelling policy can attach.

Standard homeowners forms often exclude or tightly limit flood, earthquake, and earth movement; sewer or drain backup unless endorsed; wear and tear, neglect, and gradual damage; mold in many cases; ordinance and law upgrades beyond a sublimit; and business property or high-value items that need scheduled coverage. Flood and earthquake usually require separate policies or endorsements when available. Always read the specimen forms and deductibles for your ZIP and construction type before assuming a claim is covered. California wildfire and FAIR Plan access can also change market options — ask us to review your address and construction before you rely on a prior quote.

Homeowners with a mortgage almost always need dwelling coverage that meets lender requirements. Owners of rentals, condos (with HO-6 style coverage), and higher-value homes often need tailored limits, loss-of-rents, or scheduled personal property. Contractors and developers rebuilding after a loss, or building new, commonly need builder’s risk until the permanent property policy can start. Landlords and small commercial building owners may need a commercial property form instead of a personal homeowners package. Requirements vary by lender, HOA, and occupancy — brokerage review beats guessing from a blog post.

Helpful items include: property address and year built, construction type and square footage, roof age and updates, occupancy (owner / tenant / vacant), prior carrier and claims history, mortgagee or loss-payee wording if financed, alarm or protective-device details, estimated dwelling replacement cost or recent appraisal, and any scheduled jewelry or high-value personal property lists. For rebuilds or new construction, share the contract value, expected completion date, and whether the job sits under a construction insurance program. Accurate replacement-cost and roof data speed underwriting; wrong square footage slows it down. We review submissions as brokerage guidance only and do not invent premiums on this page.

Call (916) 967-7715 or send details through our contact form. Tell us the address, occupancy, year built and updates, prior claims if any, and whether you need flood, earthquake, or dwelling-replacement options. If the home is under construction or major remodel, mention that so we can map builder’s risk next to the permanent property policy. For contractor certificate or additional-insured wording tied to a job, use our California contractors COI & additional-insured checklist alongside the quote. Lions & Coventry license #0G22084 — brokerage guidance only, not legal advice.