California Home InsuranceCalifornia Home Insurance

If you are buying a home in California, there are some important things that you need to be aware of concerning California home insurance from California is one of the 7 most expensive states in the nation when it comes to home insurance rates. This is because California has one of the highest burglary rates in the country. Also, the extreme temperature changes in some areas cause damage to the structure of your house. Since California home insurance providers expect to have to pay out on a lot of home owners’ claims, the insurance rates have to be higher.

Earthquake Insurance

Of course, everyone knows that California is prone to earthquakes, so you really need to get earthquake coverage. Home owners’ insurance companies have that coverage, but they charge extra for it. However, in California, you can get earthquake coverage from the California Earthquake Authority. The Earthquake Authority is an association that offers earthquake insurance to California residents. It is a not for profit organization and works through the private sector.

Choosing Home Insurance

When you are looking at California home insurance at, you might want to check with the National Association of Insurance Commissioners and get the low down on insurance companies and their rates and services.

It is very important that you carefully research California home insurance providers so that you can get the best rates and services possible. Look up the reviews that other customers have left about the company you are considering. Find out if they are quick respond to customer needs. Find out if they pay on the claims that they are supposed to cover.

You can also check consumer guides to get more information about insurance in your area. Talk to the neighbors to find out what home owner’s insurance company they are using. Would they recommend it? Sometimes talking to the people who have had experiences with insurance and their service and record of paying on claims can give you the best idea about which insurance to choose.

Prepare by doing some preventative maintenance on your home to make sure that it is structurally stable. By making sure your house is structurally stable, you protect it from earthquake damage. If you have purchased an older home, you probably want to retrofit it so that it comes up to the earthquake protections standards. These steps will help you save on your California home insurance.