Dwelling Insurance in California

What We Offer

Protect Your Home’s Foundation With Comprehensive Dwelling Coverage Your home isn’t just a place—it’s your security, your legacy, and one of the largest investments you’ll ever make. That’s why protecting its structure is absolutely essential. At Home Insurance, we provide reliable dwelling insurance solutions for California homeowners, ensuring your property is safeguarded against a wide range of unexpected risks. Whether you own a single-family home, rental property, or vacation house, our dwelling coverage is built to protect the structure of your residence—from the walls and roof down to the foundation.

Homeowners Insurance

What Is Dwelling Insurance?

Dwelling insurance is a component of a homeowners insurance policy that covers the physical structure of your home. This includes the walls, roof, flooring, built-in appliances, windows, and attached structures such as garages or decks. If your home is damaged by a covered peril—such as fire, hail, windstorms, or vandalism—dwelling insurance helps pay for the cost to repair or rebuild.

To get full coverage for your property and belongings, we recommend exploring a complete homeowner insurance policy that includes dwelling, personal property, and liability protection.

What’s Covered Under Dwelling Insurance?

Typical covered perils include:

Fire and smoke
Windstorms and hail
Lightning strikes
Theft or vandalism
Explosions
Falling objects
Damage from vehicles or aircraft
Weight of snow or ice
Sudden water damage from plumbing or HVAC systems

Our policies are customizable, so you can add extra protection for risks like earthquakes or floods that are not covered under standard plans.

Who Needs Dwelling Insurance?

Anyone who owns a residential structure should have dwelling insurance, including:

Homeowners with or without mortgages
Landlords who rent out residential properties
Owners of vacation or secondary homes
Mobile or manufactured homeowners

This coverage forms the core of any robust homeowners insurance policy and ensures you’re not left financially exposed after structural damage.

Why Choose Us

California-Focused Expertise: We understand the unique risks faced by homeowners in California.
Custom Coverage Options: Tailored plans that reflect the true replacement cost of your home.
Fast Quotes: Get coverage started quickly with our efficient quote process.
Top-Rated Carriers: We partner with trusted national and regional insurance providers.
Responsive Support: From policy setup to claims handling, we’re here every step of the way.