Please ensure Javascript is enabled for purposes of website accessibility

California Home Insurance and the Value of Your Home

California Home Insurance and the Value of Your Home

Economically times are tough and it’s only natural that homeowners are looking for every way possible to save money. However, sometimes when trying to save money it could potentially cost you more in the long term. Don’t assume it’s a good idea to reduce your California home insurance coverage just because your house has lost value on the property market.

Always remember the cost of rebuilding your home after a catastrophe and your home’s market value are not the same thing. Should you place your home on the market the amount it would typically sell for is known as the market value, and of course this includes the land your home is built on. Now take a moment to consider the current cost of rebuilding your house from the bottom up and replacing all your personal possessions. Keep in mind while typical home values have dropped substantially during the last three to five years, in general construction costs have increased.

Even if you are not thinking of reducing your California home insurance coverage, it is a smart idea to check your coverage amount anyway, in case it needs to be increased to ensure adequate protection. Should you be unsure if you have the right amount of insurance contact your insurance agent and request an estimated insurance coverage amount.



The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
As such, our offices will be available by phone or by e mail 8-5 Monday thru Friday. If you need to make an appointment to come by, please call us before you drop by, so we can reduce risk, and take care of our staff and just be safe.
Please don’t hesitate to call us and if for some reason you can’t reach us, please look at our website for carrier contact information. Thank You for your continued business.

Contact us Call Us