Home Insurance

Owning a home is like owning a car in terms of protecting it. Anything can happen to your home unexpectedly. It can even leave you scrambling to find ways to pay for damage, especially if you don't have home insurance.

We offer home insurance to residents in California here at K&A Insurance. We want to make sure that your home is fully protected against fire, theft, and much more.

Home Insurance Requirements

California does not require homeowners to purchase insurance. Yet, it is possible for mortgage lenders to require homeowners to purchase a certain amount of insurance.

Home Insurance Coverage

We offer the following types of home insurance coverage to keep your home protected at all times:

• Dwelling - While this is basic coverage, it protects the physical structure of your home, including the roof, walls, and foundation. It may also cover permanently attached structures, including your garage and deck.
• Additional structures - This provides you with protection against damage that occurs to additional structures in your home, including fences, sheds, and detached garages, all of which aren’t permanently attached to your home.
• Personal belongings - Not only does home insurance protect the structure of your home, but it also protects your personal property, including electronics, clothing, and much more, if it becomes damaged or destroyed.
• Liability - Liability coverage is great to have because it protects you if a guest is injured while visiting your home. If you are responsible for their injuries, it will cover the other person's medical bills. For instance, if a guest trips and injures themselves on a porch step that is already damaged, you will be held liable.

Call Us Today

If you're ready to see how home insurance can protect your home and personal belongings, give K&A Insurance a call today. We serve all residents in the state of California.

Flood insurance covers losses directly caused by flooding. In simple terms, a flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties.

Earthquake insurance is a specialized form of protection that provides protection for property damage, structural repairs and personal belongings damaged by earth movements. This type of protection can be especially beneficial for anyone residing in earthquake-prone regions.

Scheduled personal property is a supplemental insurance policy that extends coverage beyond the standard protection provided in a homeowners' insurance policy. By purchasing a scheduled personal property policy, owners can ensure full coverage of expensive items, such as jewelry, in the event of a claim.