Homeowners insurance
Dwelling, contents, and personal liability for California and Texas homeowners. In California the wildfire map drives most of the underwriting conversation; in Texas it is wind, hail, and roof age. Both are markets where availability, not price, is the first question.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
What a homeowners policy holds
Replacement cost, not market value, is the number that matters. A house that sells for less than it costs to rebuild still costs what it costs to rebuild.
Dwelling
The structure itself, at replacement cost where the form allows. Extended or guaranteed replacement cost options exist and are worth asking about after a rebuild-cost spike.
Other structures and contents
Detached garages, fences, and sheds, plus personal property. High-value jewelry, art, and tools usually need scheduling or a floater.
Personal liability and medical
Injury to a guest or damage you cause off premises, plus defense for covered claims. Umbrella coverage sits above it.
Loss of use
Somewhere to live while a covered loss is repaired. In a total-loss wildfire market this is the coverage people discover they underbought.
Wildfire, wind, and what is excluded
California brush zones may require the FAIR Plan for the fire peril with a companion difference-in-conditions policy for everything else. That is a normal outcome, not a failure — but it is two policies, and the seams between them need checking.
Flood and earthquake are excluded from standard homeowners forms in both states. They are separate policies. Texas wind and hail deductibles are commonly a percentage of the dwelling limit rather than a flat dollar amount.
A remodel or an ADU build changes the exposure. A homeowners policy is not builders risk, and the existing house does not stop being at risk while the work happens.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.