Peace of mind for you and your family.

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 homeowners policy with coverages to protect your home and belongings.

Home Inventory Guide

Replacement Cost

Property lost in a fire or other disaster? Let us help by covering the cost of replacement.

Other Structure

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

Below are just a few of the benefits of the coverage we offer. Contact our office at 1-800-310-5824, should you have further questions.

Our Homeowners Package Includes:


  • Dwelling HO3 Special Form
  • Replacement Cost (add by endorsement)
  • Direct Physical Loss – Contents
  • Medical Coverage
  • Loss of Use
  • Other Structure
  • Personal Liability


  • 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 (add by endorsement)
  • Replacement Cost Contents (add by endorsement)
  • Loss Assessment at $5,000

Credits (Up to 60%)

  • New Loan Credit
  • New Home Credit
  • Loss Deductible Credit for $500, $1,000, $1,500 & $2,500 Deductibles
  • Loss Free Credit
  • Fire & Theft Alarm Credit
  • Full & Partial Sprinkler Credit
  • Roof Credits for Non-Flammable Roof Tile
  • Gated Community Credit

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
  • CalAdvantage™ (Download Brochure – PDF)
    • Appliance and equipment breakdown
    • Outside service line (plumbing and electrical)
  • Home Farm (Download Quick Reference Guidelines – PDF)
    • Coverages for homeowners with light farm/ranch exposures
    • Up to 20 acres
  • Difference in Conditions (DIC)
    • For homeowners needing a companion policy with the California Fair Plan
  • And More