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Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Homeowners Insurance Information

Home Insurance for California Homeowners

California is a beautiful place to settle down, with a low mortality rate, diverse cultures and bustling cities. When you purchase a house in California, you’re putting in an investment—and you want to make sure that investment is covered. DRD Insurance works with carriers to find our clients affordable home insurance for California homes.

How Does Home Insurance Work?

When purchasing home insurance, it’s important to know how much coverage you need. To calculate that coverage, you need to know the replacement value of your home. The replacement value of your home considers the cost it would take to replace the structure and its amenities. With the replacement value of your home, choose the amount of coverage it would take to replace your belongings in case of disaster. Home insurance covers:

  • Structure: Damage to the structure of your home by fire, smoke, lightning, hail, theft, vandalism and other perils may be covered under homeowners insurance.
  • Personal Belongings: Personal belongings on the policy are covered from the same incidents as the structure of the home. You can add additional coverage for valuable items such as furs, art and jewelry.
  • General Liability: General liability steps in if you or a family member causes bodily injury or property damage to someone else.
  • Additional Living Expenses (ALE): ALE helps with the expense of living elsewhere while your home is being repaired or rebuilt after a disaster.

You can choose to receive either the actual cost value or the replacement cost value of your lost belongings. Actual cost value provides compensation to replace the item with one of similar quality and little to no depreciation. Replacement cost value provides similar compensation with consideration for depreciation.

Insure Your California Home Today

A home is one of the most important investments you can make in your and your family’s future. DRD Insurance wants to help you protect that investment by finding you reliable home insurance and great coverage for your California home. Give us a call at or fill out an online form today.

Frequently Asked Questions

How Far in Advance Can I Buy Home Insurance?

Ideally, you should purchase home insurance as soon as you sign on a home.

How Many Home Insurance Claims Can You File?

There isn’t a typical rate as to how many home insurance claims you can file.

How Many Home Insurance Claims is Too Many?

A home insurance claim generally stays on your record for 5-7 years and can raise your home insurance rates. An insurance company can drop you at any time, but it doesn’t happen as often as you would think. The only time you should really worry is if you have multiple claims that are denied.

How Much Home Insurance Do I Need?

The amount of home insurance you carry should be enough to cover the replacement cost value of your home. If you’re not sure about the replacement cost value of your home, get in touch with a DRD Insurance agent today.

How Often is Home Insurance Paid?

Home insurance is most commonly paid on a yearly basis, but you may also choose monthly premiums.