Home Insurance FAQs

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We're here to help you understand your policy and options. If you have a question that's not answered here please give us a call at 800.800.9410.

All coverages and discounts may not be available in all states.  In the case of any loss, the policy terms and conditions will apply. Please contact us for complete details.

How often should a home insurance policy be updated?

You should review it every year, especially if you have made changes to the home, such as remodeling or adding lots of new furniture, appliances or equipment, or building an addition.

What do most homeowners insurance policies cover?

A homeowners policy is actually a "package" of coverages.  One part of the package protects your home and belongings from specific events that that can damage your property and provides additional living expenses if you are temporarily unable to live in your home because of an insured loss.  Another important part of the package covers you for lawsuits or liability claims that might otherwise be your responsibility if you accidentally injure other people or damage their property.

How do I determine an appropriate amount for contents coverage?

Start by taking an inventory, room by room. Collect receipts for major items. Be sure to take photographs or a videotape. For big-ticket items, like jewelry, paintings or furs, you may need to add a scheduled personal property endorsement, which is additional coverage just for those items.

Can I insure my engagement ring on my homeowners policy?

Yes, you may choose to schedule certain items of personal property not adequately covered under the standard property policies. Scheduling items such as jewelry, furs, fine arts, camera equipment, silverware, and certain other valuables provides broader coverage for the specified personal property.

How can I obtain earthquake insurance?

California Casualty offers earthquake insurance as an endorsement to the California Casualty homeowners policy in the states of CA, OR, MO, IL, KY, and RI.  Or you can purchase a separate earthquake policy through our partner company, GeoVera Insurance Company, which is rated A (Excellent) by A.M. Best in the states of CA, OR & WA.

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