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Coverage amounts are on the smaller side, such as $1,000. For example, if a guest slips on an unsecured rug and is hurt, medical payments coverage can pay for their medical expenses. Medical payments to others: This covers minor medical claims for someone hurt in your home (who isn’t a household member), regardless of fault.If there is a lawsuit, it also could pay for a court judgment against you and your legal defense costs. For example, if a visitor is seriously injured after falling down your icy steps, your home liability coverage could pay for a settlement. Liability: This covers property damage and injuries you accidentally do to others.Your personal belongings include your clothes, jewelry, electronics, furniture, kitchen appliances and other items. Personal property: This pays to repair or replace your belongings if damaged from a covered incident, such as a fire or theft.Other structures: This covers the cost to repair or replace structures that aren’t attached to your home, such as a fence or in-ground swimming pool.In addition, it covers attached structures, like a deck or garage. Dwelling: A primary coverage that pays to repair or rebuild your home if it’s damaged under a covered issue.Standard home insurance policies include the following main coverage types: Vandalism, theft, fire, lightning and explosion are just some of the problems covered by home insurance. Personal property (your belongings) is covered for specified “perils” in a standard home insurance policy. Common exclusions include earthquakes, flooding, sinkholes, power failure, neglect, wear and tear, and intentional damage. What Does Homeowners Insurance Cover in California?Ī standard home insurance policy (also known as an HO-3) protects your house for any issues that aren’t specifically excluded in the policy. Home insurance quotes are influenced by those factors and companies weigh them differently, so make sure to get quotes from multiple companies to find the best rate for you. Your ability to snag cheap home insurance in California will hinge on many rating factors, such as:

Homeowners Insurance Cost Factors in California Source: Quadrant Information Services, based on dwelling coverage of $300,000 State Farm (no longer selling new home insurance policies in California) Allstate (no longer selling new home insurance policies in California)