It’s important for all California homeowners to have adequate insurance. California homeowners insurance policies have several necessary inclusions, so it’s important to understand exactly what is covered.
<h1>Section I</h1>
The insurance inclusions in Section I cover the property. The subsections are A, B, C and D. Each subsection defines a specific type of protection for the property.
<b>Coverage A – Dwelling</b>
This type of coverage provides protection for the home and any other buildings on the property that are attached to the dwelling. If they’re damaged through peril, they’ll be repaired or compensated for under Coverage A.
<b>Coverage B – Other Structures</b>
Sheds, garages and other buildings on the property that aren’t attached to the dwelling are covered from damage under this provision. The compensation amount in California is usually limited to about 10% of the coverage limit.
<b>Coverage C – Personal Property</b>
Personal belongings are covered up to 50% of the limit specified in Coverage A. In some cases, compensation may be determined by an agreement between the insurer and the insured. Items that are typically excluded usually require a separate policy in order to be fully insured.
<b>Coverage D – Loss Of Use</b>
If the dwelling is damaged by any form of peril and becomes uninhabitable, this type of coverage provides funds for living expenses. Meals, storage and temporary housing costs are covered under most California policies. This coverage usually doesn’t exceed 20% of the limit specified in Coverage A.
<h1>Section II</h1>
Provisions outlined in Section II include liability issues. Although many California homeowners think they won’t need this type of coverage, it’s claimed often enough that it’s required for homeowners policies in the state.
<b>Coverage E – Personal Liability</b>
This provision offers coverage for any members of the household who cause injury to others. For example, a homeowner’s dog biting a guest would be an event that is covered. However, many homeowners policies have exceptions for specific breeds of dogs that are considered dangerous. Intentional acts are not covered under this provision. It’s important to fully understand the inclusions and exceptions.
<b>Coverage F – Medical Expenses</b>
If guests or other parties who enter the property are accidentally injured, this provision allows medical payments. This coverage applies to guests but not to residents of the property. Activities related to business are excluded.
Since there are many fires, earthquakes and floods in California, homeowners should be prepared for these events by purchasing separate policies for each peril. Those who live in beachfront properties should also consider tidal wave coverage. Termite and mold policies are also beneficial for all Californians.
