Homeowners Insurance
California Homeowners Insurance
At AA Lares Insurance Insurance Services, we are ready to help you protect what you've worked nearly your entire life for... a home of your own to keep yourself, your spouse, and your children safe. We are committed to helping you understand and decide how to best insure your home, leaving no gaps in protection.

As a local independent insurance agency, we have direct access to multiple preferred insurance carriers. We will quickly compare rates and coverage to get you the best possible California homeowners insurance policy for your home. Please read some of the common coverages for a homeowners policy below and give us a call, or schedule an appointment to find the best insurance policy for your home.
Dwelling Coverage
Coverage for you building and outbuildings including garages, sheds, and pool houses.
Loss of Use
This coverage applies if you're unable to live in your home while it's being repaired or rebuilt after a covered loss.
Unattached Structures
Coverage for your personal property at a percentage of the building limit. Limited coverage may include loss to jewelry, electronics, guns, money, paintings, and boating equipment, regardless of the cause.
Liability Coverage
Liability coverage, in case someone is injured or their property is damaged and is pursuing legal action.
Medical
Medical coverage protects you against minor injuries you're held legally liable for to people other than residents of the household.
Personal Property Coverage
Most homeowners insurance policies protect your personal property like your furniture, TV, clothing, books, computer, sporting goods, etc. They are protected when you're at home or away.
ADDITIONAL COVERAGES
JEWELRY INSURANCE
Valuable items such as jewelry, electronics, fine arts, silverware, gems, musical instruments, stamps, gold, cash (limited),  guns, stamps and coins, other collectibles, and more.



EARTHQUAKE INS.
This additional coverage protects your home and personal belongings in the event of an earthquake. A regular homeowners policy does not cover this scenario.



FLOOD INSURANCE
This additional coverage protects your home and personal belongings in the event of a flood from natural and external events such as rain damage or flood caused by a fire hydrant. A regular homeowners policy does not cover these scenarios.
ANIMAL LIABILITY
Animal Liability applies in the case your household pet causes harm to someone else. Keep in mind some pets or species are not insurable by most carriers including but not limited to: Pitbulls, Rottweilers, Siberian Huskys, and more. 
Additional Coverage to Consider
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  Office Hours 
    Monday                                                   9:00 AM - 6:00 PM

      Tuesday                                                   9:00 AM - 6:00 PM
      Wednesday                                             9:00 AM - 6:00 PM
      Thursday                                                 9:00 AM - 6:00 PM
      Friday                                                      9:00 AM - 6:00 PM
      Saturday                                                10:00 AM - 2:00 PM
      Sunday                                                              Closed
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