California house insurance and home insurance are two ways of referring to a basic California homeowner’s insurance policy. The similar terms provide the same coverage, which includes protecting your home and personal property from damage or theft.
Despite the implications of the name, California house insurance covers more than just your home. It also provides liability and medical coverage if someone is injured at your home and has medical bills or takes you to court. These additional benefits are why California house insurance is more commonly called homeowner’s insurance, since it protects the homeowner as well as the home.
Is California Homeowner’s Insurance Different than Home Warranty Insurance?
There is a difference between California homeowner’s insurance and a home warranty insurance. Home warranty insurance protects your home’s appliances and systems from regular wear-and-tear damage while homeowner’s insurance just protects your home and its belongings from extreme damage, such as a fire or natural disaster, and theft.
How Much is House Insurance AKA Homeowner’s Insurance in California?
The cost of California house insurance varies by many factors, including your location, the value of your home and belongings and the cost of your deductible. Due to all these factors, it’s best to contact your insurance agent and get a reliable quote.