Quality Home Insurance. Protection You Can Count On.

Homeowners insurance is about more than just meeting a mortgage requirement—it's about protecting one of your biggest investments. A quality home insurance policy helps provide the financial security to repair or rebuild your home and replace your personal belongings after covered events such as fire, lightning, windstorms, theft, or vandalism.

The right policy isn't always the least expensive—it's the one that provides the coverage you need when it matters most. Taking the time to review your home, belongings, and potential risks helps ensure your policy is designed to protect what matters most to you and your family.

For the best overall value, consider building a complete protection plan by combining your Home, Auto, Umbrella, Earthquake, and Life Insurance policies. Bundling your coverage can often reduce your total insurance costs while providing broader protection, greater convenience, and the confidence that all aspects of your financial security are working together.
 

Home Insurance Common Questions:

How can I lower my premiums?
You may qualify for discounts if you bundle policies, increase your deductible, or complete upgrades such as installing fire-resistant roofs, clearing defensible space.
We have the knowledge and experience to help you better understand your coverage options--

Is home insurance required by law?
State or federal law does not explicitly require you to carry homeowners insurance. However, mortgage lenders mandate adequate coverage to protect their collateral and will force-place expensive coverage if you allow your policy to lapse.

What if I can't find coverage on the open market?
La Fortuna writes policies in Farmers, Foremost and a number of others carriers including California FAIR Plan, which is the state-mandated insurer of last resort for properties unable to secure standard coverage. Note that it typically only covers basic perils like fire, smoke, and lightning. You may need to purchase a separate "wraparound" or Differences in Conditions policy to cover things like theft, water damage, and liability. 

Are wildfires and earthquakes covered?
Standard home insurance policies do cover wildfire damage. However, earthquake insurance requires a completely separate policy.

Why is my insurance premium so high, or why was I dropped?
Due to increased wildfire risks and inflation, many major carriers have pulled back or restricted coverage, leading to significant rate hikes. If you receive a non-renewal, ask your carrier if there are actions you can take to retain your coverage, and shop around with local agents early

What is "Replacement Cost" vs "Actual Cash Value"?
Always ask whether your contents and structure are covered for Replacement Cost Value (RCV) rather than Actual Cash Value (ACV). RCV pays to replace damaged items and structures at today's prices, whereas ACV only pays the depreciated value