California Home Insurance — The Right Coverage for California's Risks.
Since 1999, Stonecrest Insurance Services has helped California homeowners protect what matters most. As an independent agency, we shop 20+ top carriers to find you the right policy at the right price.
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Homeowners Insurance Coverage in California
Your home is likely your largest investment. Here's what a standard homeowners policy covers — and what requires additional protection in California.
Dwelling Coverage
Protects the physical structure of your home — walls, roof, foundation, and attached structures — from covered perils like wildfire, storm damage, and accidental damage.
Personal Property Coverage
Shields your belongings — electronics, furniture, clothing, appliances, and heirlooms — from theft or damage. Coverage extends even when items are away from home.
Liability Protection
Covers legal fees, medical bills, and settlements if someone is injured on your property or you accidentally damage someone else's property. Protects your assets from lawsuits.
Additional Living Expenses
Covers temporary housing, meals, and living costs if a covered event forces you out of your home during repairs or rebuilding. You won't be left without a place to stay.
Wildfire Coverage
California's wildfire risk is unlike any other state. We ensure your dwelling coverage specifically addresses wildfire damage and help identify carriers still writing policies in high-risk zones.
Not Covered: Earthquakes & Floods
Standard policies don't cover these California risks. We offer both through the California Earthquake Authority, FEMA's NFIP, and private carriers.
Add Earthquake or Flood Talk to an Agent
Your Home Is More Than a Structure —
It's Your Family's Sanctuary.
Since 1999, Stonecrest has helped California families protect their homes. As an independent agency, we're not tied to any single carrier — we shop the market to find the coverage that fits your home, neighborhood, and budget.
- Access to 20+ carriers — including hard-to-find wildfire zone coverage
- Local agents who understand California's unique risks
- Serving California homeowners since 1999 — 25+ years of experience
- Earthquake and flood policies available alongside your home policy
- Bundle your home + auto and save up to 25% on both policies
Ready to See How Much You Could Save?
- Compare quotes from 20+ top-rated carriers instantly
- Local California agents — real people, real answers
- Average client saves $680/year after switching
- Coverage in place same day — no waiting
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