Let us take care of you
Let us take care of you
Life in the Golden State is everything but ordinary. Surrounded by one of the most breathtaking landscapes, California has its lifestyle. Besides, Cali and your home, have their quirks. At PSIC we’re all about right-sizing that protection, considering potential perils, and making your coverage fit with your life.
Whether you live near the beach and enjoy checking out morning waves, or you’re settled in the woods and wake up with the smell of fresh nature, counting with comprehensive Homeowners Insurance coverage is just a smart choice. Even though it ain’t mandatory, it can be a requirement of your mortgage lender, and again, a great backup plan for you.
Explore the fundamental layers of protection provided by Homeowner Insurance in California.
Get your spot covered in case it needs repair or rebuild due to theft or weather damage such as wind, fire, and fallen trees.
Get your storeroom, workspace, garage, or other detached structure safe and secure.
Cover legal expenses when found responsible for causing bodily injury or property damage to others.
Protect yourself in case your house is damaged and you need to crash somewhere else while it’s being repaired.
Covers for medical expenses in the event someone gets hurt and it’s on you.
Protects your assets such as furniture, electronics or clothes if a covered event takes place.
Dwelling
Protects the main structure of your home. We’re here to provide financial assistance in the event of a covered loss or damage that needs repair or rebuilding.
Additional structures
Get your storeroom, workspace, garage, or other detached structure safe and secure.
Personal property
Safeguards your valuable possessions including furniture, electronics, and clothing in the event of a covered loss.
Loss of use
Protects you in case your house is damaged and you need to move to a different place while it’s being repaired.
Personal liability
Covers legal expenses when found responsible for causing bodily injury or property damage to others.
Medical payment
Covers the medical expenses in the event someone gets hurt and you’re responsible for it.
Customize it according to your needs
Level up your Landlord Insurance game with these optional coverages!
Keep your personal information and finances safe. We’re here to help you set things straight if your identity is compromised and needs recovery.
If your fur family harms someone or damages another’s home, we’ll help you handle the expenses.
Protect your home and your personal belongings in case water enters your plumbing system, flows into your premises, and it needs repair it.
Boost your business gear safety, like tech and tools, with enhanced coverage that’s got your back in case of theft or damage.
In the land of sun and surf, you’ve got to prepare yourself for the unexpected. At PSIC we want to make sure you’re protected from Cali’s usual risks in our Homeowners Insurance —wildfires, earthquakes, and floods. These events, as unpredictable and destructive as they are, can cause serious problems for your finances if you are not properly insured.
With PSIC, you can protect your assets and your loved ones. While our standard Homeowners Insurance policy protects you against fire damage, we recommend you get specific earthquake and flood policies. This way, you will have exactly the protection you need.
Understanding factors that will affect your Homeowners Insurance cost, alongside with choosing ideal add-ons, will help you have a more comprehensive coverage. In other words, finding the best protection for your home.
Certain cities and zip codes play a huge role in your Homeowners Insurance cost. If your neighborhood has a higher risk rate for weather damage, or maybe a higher claims history due to crime, your premiums might be more expensive.
Old homes, as unique as they are, often are associated with higher risks of damage due to old plumbing, electrical wiring, and other connections. By renovating your home's installations, you can reduce the cost of the policy.
The construction type directly influences the price of your Homeowners Insurance, as materials and methods used in construction impact the home's vulnerability to various perils, affecting the risk profile and therefore the premium cost.
Striking a balance between cost and coverage is key. Opting for a higher deductible could result in lower premiums, yet it’s important to be prepared for higher out-of-pocket costs when making a claim.
A clean record signals responsible stewardship, usually translating into lower insurance premiums. Conversely, a record of frequent claims might suggest a higher risk profile, leading to increased insurance expenses in the Golden State's landscape.
If your yard includes a trampoline or an elaborate play structure, it might lead to higher policy costs from increased potential risks of injury claims.
Having the best Homeowners Insurance in Cali doesn’t mean it has to be expensive. Find out which options you can choose to make it more affordable while keeping it safe.
When having 2 PSIC active policies.
Keep your home safe with a burglary and fire alarm system.
Embrace the retired lifestyle and enjoy lower premiums by living in a retirement community.
We know Homeowners Insurance could feel a bit overwhelming. That’s why we diversified key information to help you understand and choose the right protection.
Homeowners Insurance
Gives you a general view of the product.
Homeowners Discounts
Shows how you can save money on your policy.
Homeowners Explained
Deep dives into the details of the insurance.
Homeowners Insurance Cost
Details a list of features that can help you reduce the cost of your policy.
Homeowners Coverage
Explains the available customization options.
Learn about insurance coverage, safety tips, money-saving options, do’s & don’ts, news, and much more in the resources section.
Check out all the coverage options available in California!
With more than 40 years of trajectory, we have the expertise to accompany you in every stage of your life.
Customer support: 800-303-5000
Claims support: 800-962-1172
5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807
Copyright © 2023 McGraw Insurance Services, L.P., Delaware L.P., 5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807, License 0K06900 / National Producer No. 17486061 The insurance policy, not the contents of this website, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions and limitations that are not detailed on this website. Coverage may differ by state.
