What We Offer

Ordinance or Law Coverage: Protecting Your Home Beyond the Basics

As a homeowner, having insurance isn’t just about covering your house against fire, theft, or weather-related damage—it’s also about ensuring that your property can be brought up to current codes in the event of a major loss. That’s where Ordinance or Law Coverage steps in. When your home needs repairs or rebuilding, local building codes may require upgrades that can be surprisingly costly. If your homeowner insurance doesn’t include this critical coverage, those expenses could fall directly on your shoulders. We help homeowners across California secure the right protections—custom-tailored to meet evolving legal and structural standards.

Homeowners Insurance

What is Ordinance or Law Coverage?

Ordinance or Law Coverage is an enhancement to your homeowner’s insurance policy that helps pay the additional costs required to repair, rebuild, or upgrade your home in accordance with current building codes or ordinances after a covered loss.

Why is it Important?

Many homes were built years—or even decades—ago. Building codes evolve to improve safety and efficiency. If your home is damaged and needs substantial repairs, local authorities may require upgrades to systems like:

  • Electrical wiring

  • Plumbing

  • Roofing

  • HVAC systems

  • Energy-efficient standards

  • Fire safety features

Without Ordinance or Law Coverage, these mandatory updates would not be covered under a standard homeowners policy, leaving you with out-of-pocket expenses.


Real Protection for Modern Living

Whether you're updating a century-old Victorian or maintaining a newer construction, this type of coverage ensures you're not financially penalized for compliance with current codes. It’s a modern solution for a modern problem.