Protect Your Home with Comprehensive Coverage
Specialized homeowners insurance for California properties in high-risk fire zones. Get the protection you need with competitive rates and expert support.
Comprehensive Coverage Options
Our homeowners insurance policies provide complete protection for your property, belongings, and family.
Dwelling Coverage
Protects the structure of your home including walls, roof, floors, and built-in appliances from covered perils.
Personal Property
Covers your belongings including furniture, electronics, clothing, and other personal items.
Liability Protection
Protects you from lawsuits and claims if someone is injured on your property or you damage others' property.
Fire & Wildfire
Specialized coverage for fire damage, including wildfire protection for high-risk California areas.
Additional Living Expenses
Covers temporary housing and living expenses if your home becomes uninhabitable due to covered damage.
Other Structures
Protects detached structures on your property like garages, sheds, fences, and gazebos.
Why Choose FireSafe Insurance?
California Fire Zone Expertise
Specialized knowledge of high-risk fire areas and tailored coverage options.
Competitive Rates
Best-in-class pricing with discounts for safety features and bundling.
24/7 Claims Support
Round-the-clock assistance when you need it most, with fast claim processing.
Local Agents
Personal service from agents who understand your community and risks.
Get Your Free Quote
Answer a few quick questions to get an instant homeowners insurance quote.
Frequently Asked Questions
Get answers to common questions about homeowners insurance.
What does homeowners insurance cover?
Homeowners insurance typically covers your dwelling, personal property, liability protection, and additional living expenses. It protects against perils like fire, theft, vandalism, and certain weather events.
How much homeowners insurance do I need?
You should have enough coverage to rebuild your home and replace your belongings. Most lenders require coverage equal to at least 80% of your home's replacement cost.
Does homeowners insurance cover wildfire damage?
Yes, standard homeowners insurance policies cover wildfire damage. However, some insurers may have restrictions in high-risk areas. We specialize in coverage for fire-prone regions.
What factors affect my premium?
Factors include your home's location, age, construction materials, coverage limits, deductible, safety features, and your claims history. Fire-resistant materials and safety systems can reduce premiums.
Ready to Protect Your Home?
Get a free quote in minutes and discover how affordable comprehensive coverage can be.