Homeowners Insurance in California
Independent, veteran-owned agency in Temecula placing homeowners coverage across California, including hard-to-place and wildfire-exposed properties. Call 650-489-2592 for a quote.
What a Homeowners Policy Covers
Dwelling and other structures: the house itself, and detached structures such as a garage, fence, pool enclosure or workshop.
Personal property: your belongings, on or away from the property. Jewelry, firearms, tools and collectibles often carry sub-limits and may need to be scheduled separately.
Loss of use: additional living expenses if a covered loss makes the home uninhabitable while it is repaired.
Personal liability and medical payments: injury to a guest or damage you cause to someone else, including incidents away from the home.
The Part That Is Specific to California
Carriers have pulled back from wildfire-exposed areas, and many homeowners in Riverside and San Diego County are being non-renewed on policies they held for years. That does not mean you are out of options, it means the placement takes more work.
Carriers differ sharply on how they score brush proximity, roof age, defensible space and prior claims, so a property one carrier refuses outright is a property another will write. Being independent is the whole point here: we take the same property to multiple carriers and place it with the one whose underwriting appetite actually fits it.
Earthquake is not included in a homeowners policy and is written separately. Flood is also separate, through the National Flood Insurance Program or a private carrier.
If You Have Been Non-Renewed
Send us the non-renewal notice and the declarations page from your current policy. We will tell you straight what the market is likely to do with the property, and what it is likely to cost. Start the day the notice arrives, not the week it expires.
Why an Independent Broker
We are not captive to one carrier. On California property, the difference between carriers is not a few dollars, it is whether the risk is accepted at all.
Licensed in 20 States
Property is licensed state by state. If you own a second home, a rental, or you are relocating, Always Faithful can place personal lines business in the following states.
California (Lic. #4476212), Arizona (Lic. #21686200), Colorado (Lic. #931002), Florida (Lic. #G308768), Georgia (Lic. #3885235), Idaho (Lic. #21686200), Illinois (Lic. #21686200), Kansas (Lic. #21686200), Nevada (Lic. #4185263 and #4185449), New Jersey (Lic. #3004117893), New York (Lic. #1963685), Oklahoma (Lic. #3004120365), Oregon (Lic. #21686200), Pennsylvania (Lic. #1302972), Tennessee (Lic. #3004115452), Texas (Lic. #3441028), Utah (Lic. #1104790), Virginia (Lic. #1572794), Washington (Lic. #1351740), Wisconsin (Lic. #21686200).
Licensed, Independent and Veteran Owned
Always Faithful Insurance Agency. California Property and Casualty Broker License #4476212. National Producer Number 21686200. Licensed in 20 states. Owned and operated by a United States Marine Corps veteran. California Disabled Veteran Business Enterprise #2045250.
Get a Quote
Call 650-489-2592 or email semperfiowner@gmail.com. Temecula, California. Monday to Saturday, 8AM to 5PM.
Coverage descriptions on this page are general. Actual terms, limits and exclusions are governed by the policy issued.
More From Always Faithful Insurance Agency
Home · Personal Auto · Commercial Auto · Contractors · Bonds