Personal Insurance : Homeowners
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Homeowners Insurance

There are few things more devastating than losing your property to fire, theft or any other potential disaster.  It is for this reason that California Mutual Insurance offers a comprehensive homeowners policy to ensure that your home and belongings are protected.

These are just a few of the benefits of the coverage we offer:  Use our Quick Quote feature or contact our office at 1-800-310-5824, should you have further questions.

 

Replacement Cost
There is no point in haggling about the worth of your lost property.  Let us help by covering the cost of replacement

ID Fraud Expense Coverage 
If your current insurance isn’t keeping up with the times, your identity could be left unprotected.  In 2008, identity theft was the number one fraud complaint according to the Federal Trade Commission.  Make sure that you are protected.   


Other Structure 
Have another structure (building) on your property that you would like to protect?  Give us a call, and we can make sure that it is.

Coverages
  • Dwelling HO3 Special Form
  • Replacement Cost
  • Direct Physical Loss – Contents
  • Medical Coverage
  • Loss of Use
  • Other Structure
  • Personal Liability
Features
  • ID Fraud Expense Coverage (Included)
  • Ordinance or Law Coverage (Included)
    • 50%: Dwellings 1 to 5 Years old
    • 10%: Dwellings 6 to 40 Years old (Option to Increase to 50%)
  • Inflation Guard at 4% (Included)
  • Replacement Cost Dwelling
  • Replacement Cost Contents
  • Loss Assessment at $5,000
Optional Coverages
  • Increased Limits – MS-RCC Coverage A
    • Coverage A (Extended Replacement Cost 150%)
    • Coverage B - 10%
    • Coverage C - 70%
    • Coverage D - 40%
    • Increased Unscheduled Personal Property Limits
  • Scheduled Personal Property
  • Personal Injury
  • Earthquake
  • And More
Credits (Up to 50%)
  • New Loan Credit
  • New Home Credit
  • Loss Deductible Credit for $500, $1,000 & $2,500 Deductibles
  • Loss Free Credit
  • Fire & Theft Alarm Credit
  • Full & Partial Sprinkler Credit
  • Roof Credits for Non-Flammable Roof Tile
  • Gated Community Credit

Identity Fraud Expense

To all homeowners we provide coverage to protect against the growing problem of identity theft. Identity theft strikes millions of Americans each year and costs businesses and individuals billions of dollars. Our identify theft recovery program not only provides protection for fraud, but also provides the practical support you may need.
Our identity fraud expense recovery covers:
  • Lost wages as a result of time away from work to correct credit or identity records
  • Cost of obtaining credit reports
  • Fees when reapplying for loans initially declined due to falsified credit information
  • Postage, phone and shipping fees
  • Certain legal fees caused by identity theft
  • Notary and filing fees for costs you incur for steps you take yourself to restore your identity and credit records
Additionally, support is offered in the form of:
  • Identity recovery help line - A toll-free number connects you with professionals who will answer your initial questions, provide information and advise you on the immediate steps you need to take
  • Identity recovery case manager service - A case manager will guide you through the steps of the identity recovery process

Identity Fraud Expense Reimbursement Protection-Master Policy and Certificate of Insurance