Home Insurance in California

Headquartered in Burlingame, CA, Commercial One Insurance Services Inc provides homeowners insurance for residential dwellings in California. Our agents can assist you with determining the best level of coverage for your property and possessions if you own a home, condominium, townhome, or other residences in California, Nevada, Georgia, or Virginia.

What Does A Homeowners Policy Cover?

When an insurance company issues a policy in California, this agreement with the homeowner covers both physical property and liability.

• Property coverage include the dwelling and other structures located on the property, such as a shed or detached garage. In addition, personal property within the structures and loss of use if they are damaged, destroyed, or stolen are part of property coverage.
• Liability coverage protect the homeowner by offering a level of personal liability coverage as well as medical payments offered to others who have an incident happen on the property.

Are All Policies the Same?

Although the California Department of Insurance mandates minimum standards for homeowners coverage in our state, policies differ in a variety of ways. Some of the factors that affect rates and what your policy covers include the following:

• Location of the property
• Age of the structure(s) on the property
• Type of construction
• The proximity of local fire protective services
• Level of deductibles selected

Does the Policy Have Any Limitations?

Policies have caps and limitations, including the maximum amount of coverage available for an event. Also, policies have exclusions and deductibles. In many cases, these may be adjusted based upon the rates for the policy.

Your home is a major investment. Contact the professionals at Commercial One Insurance Services Inc to discuss the products we have available and how we can develop a policy that suits your budget and meets your needs. We also offer an online rating tool that you may use to get a quote for either homeowners or automotive insurance policies. Reach out to our agents for more information.