Homeowners insurance in California
Your home is your biggest investment. We protect it from fire, theft, liability and more.
Coverage options
Dwelling Coverage
Covers damage to your home's structure from fire, wind, hail and other covered events.
Why choose Auto International
Real replacement value
We insure the cost to rebuild, not the depreciated market value.
Bundle discount
Bundle with your auto insurance and save on both policies.
Spanish language service
Bilingual agents who understand the needs of the Latino community.
Claims support
We walk you through every step if you need to file a claim.
Frequently asked questions
Does homeowners insurance cover earthquakes in California?
No. Earthquakes are a standard exclusion. You need a separate earthquake policy. California has high seismic risk, so we strongly recommend this additional coverage.
Does it cover floods?
No. Floods are also a standard exclusion. If you live in a flood zone, you need separate flood insurance (usually through the National Flood Insurance Program, NFIP).
How much homeowners insurance do I need?
Enough to fully rebuild your home (replacement cost). This figure can differ from market value. We help you calculate it.
Does homeowners insurance cover my belongings when I travel?
Yes, personal property is generally covered away from home too (e.g., in your car or a hotel), though with limits.
