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


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          
  • 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