Home Insurance in
California

Protect your biggest investment from the unexpected.

Coverage Options

Dwelling

Covers the physical structure of your home against covered perils.

Personal Property

Protects your furniture, electronics, and belongings inside.

Liability

Covers injuries or damages occurring on your property to guests.

Loss of Use

Pays for living expenses if your home becomes uninhabitable.

Other Structures

Covers detached garages, fences, and sheds.

Who This Is For

Homeowners

Comprehensive protection for single-family houses.

Condo Owners

Specialized policies for interior walls and personal items.

Renters

Affordable coverage for belongings and personal liability.

Why Choose Caspian Coverage

We combine modern technology with expert, personalized guidance to ensure you have the exact coverage you need. We shop multiple A-rated carriers to find the best fit for your unique situation.

Get Your Free Quote

Get Your Free Quote

Frequently Asked Questions

Standard policies do not cover earthquakes. However, we can help you secure separate earthquake coverage.
Fire is typically covered, but high-risk areas may require specialized carrier placement, which we handle.
You need enough to rebuild your home entirely at current construction costs, not just the market value.
Standard limits apply. For high-value items, we recommend a scheduled personal property endorsement.
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