Affordable Homeowners Insurance

What California Homeowners Insurance Covers

When it comes to protecting your California home, you need coverage that's tailored to the unique challenges of the Golden State. California is no stranger to natural disasters like wildfires, and these events can have a devastating impact on your home. That's why it's crucial to have the right homeowners insurance in place. Affordable homeowners insurance shouldn’t compromise on quality. At Mercury Insurance, we understand the specific needs of California residents, and we offer a range of coverage options at affordable prices to ensure you're prepared for whatever comes your way.

• Dwelling protection - This coverage helps repair or rebuild your home's physical condition if covered events — e.g., wildfires, wind damage, or hail — damage it.
• Personal property - This coverage financially protects personal property in case of theft, damage, or destruction caused by covered losses.
• Extended replacement cost - In the event of a catastrophic loss, this coverage helps provide financial resources to repair or rebuild your home, even if the cost exceeds your policy’s limit.
• Additional living expenses - If your home becomes uninhabitable due to a covered event, we'll help cover the costs of temporary housing and other necessary expenses while your home is being repaired or rebuilt.
• Personal liability protection - If you cause bodily injury or property damage to another party, this coverage helps financially and legally protect you.
• Guest medical protection - If a guest is injured on your property, our guest medical protection can help cover their medical expenses.

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What Factors Determine Your Homeowners Insurance Rate?

In California, insurers look at numerous factors to help determine homeowners insurance rates, and understanding these factors can help you make informed decisions about your coverage. Here are some key considerations they take into account when establishing your homeowners insurance rate:

• Age and condition — Older homes with outdated plumbing, electrical, or HVAC systems tend to be more expensive to insure because they're at higher risk for structural issues and maintenance problems.
• Replacement cost — The cost to rebuild or replace your home in the event of a total loss is a significant factor in your insurance rate. In California, where property values can be high, homes with a higher replacement cost may have higher insurance rates.
• Location — California's diverse geography means that insurers pay close attention to where your home is located. Your insurance rates may be higher if you reside in an area prone to natural disasters like earthquakes and wildfires. Similarly, living in a high-crime neighborhood can also impact your rates.
• High-risk home features — Certain home features can increase your insurance rates. For instance, if you have a swimming pool, trampoline, wood-burning stove, or other high-risk features, insurers may view your property as more accident-prone, resulting in higher premiums.
• Credit history — Your credit history can affect your homeowners insurance rate. Insurers often use credit scores as an indicator of financial responsibility. If you have a poor credit history, insurers may charge you a higher premium, as they may see you as a higher risk for late payments and frequent claims.
• Dog breed —If you own a dog, its breed can impact your insurance rates. Some insurance companies consider certain dogs, like Rottweilers, German shepherds, and pit bulls, as "aggressive breeds." Owning one of these breeds may result in higher premiums due to the perceived risk of dog-related incidents.