Competitive Homeowners Insurance in California Without Compromise
Protect your California home coverage that balances price and protection, giving you peace of mind without sacrificing quality.
At AA Lares Insurance Services, we believe Californians deserve more than a one-size-fits-all policy. Your home is one of your most valuable assets, and protecting it shouldn’t mean overpaying or settling for less.
That’s why we provide competitive homeowners insurance in Orange and across California, without compromise. Our team helps you find coverage that balances price, protection, and personal service, so you can feel confident your home is in good hands.
We can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.
About homeowners insurance in California
Homeowners insurance is one of the most important insurance policies you could ever own.
It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.
We can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.
What’s Included in a California Homeowners Insurance Policy
These are some common coverages you typically see on a policy:
Dwelling
This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.
We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.
Replacement Value of Your Home
Extended Replacement Cost coverage can be added to your policy, ensuing your home is rebuilt to its pre-loss appearance with the same standards and quality of materials used originally.
Personal Liability
The appropriate amount of Personal Liability coverage to include in your policy may vary depending on the value of any assets you may own. We can help you determine what you need.
Other Structures
This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages.
Personal Property
Optional Replacement Value coverage ensures your personal property is replaced at full value – so no matter how old your items are, no deductions for depreciation apply. Our experts advise that this coverage shouold be selected on an “all-risks” basis. Also, we recommend you included expensive possession (such as jewelry, collectibles, and art) in a separate list.
Loss of Use
This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.
Special Coverage
If you have high-risk assets such as fences, pools, outbuildings, etc., they may have only minimal coverage under a standard Homeowners policy. We can help ensure you have sufficient protection. You may also want to consider a separate Flood policy if your home is in an area prone to flooding, as Homeowners insurance does not cover this risk.
How to Get a Homeowners Insurance Quote in California
Getting a homeowners insurance quote is easy. Here are some of the important questions we’ll ask:
Do you own a home with unique architecture or worth more than $1 million? We represent many carriers that specialize in high net worth properties.
Click below to start your home insurance quote and we’ll reach out shortly to discuss your coverage options.
