San Diego homeowners face a shifting market
Since 2023, major carriers have non-renewed hundreds of thousands of California home policies. Wildfire-distressed areas Alpine, Ramona, Jamul, Fallbrook, Valley Center, Julian have been hit hardest. The state’s Sustainable Insurance Strategy (2024–2026) and AB 1680 FAIR Plan reforms are rebalancing the market, but shopping matters more than ever. Independent agents like us can compare carriers that many captive agents can’t.
What a homeowners policy covers
- Dwelling The structure itself walls, roof, foundation against covered perils like fire, wind, hail, and theft.
- Other structures Detached garages, sheds, fences, guesthouses.
- Personal property Your belongings inside furniture, electronics, clothing anywhere in the world.
- Liability Legal and medical costs if someone is injured on your property or you damage someone else’s.
- Additional living expenses (ALE) Hotel, meals, and temporary housing if a covered loss makes your home uninhabitable.
- Optional endorsements Earthquake, flood, sewer backup, service line, scheduled jewelry often worth adding in San Diego.
How much coverage do you need?
Enough to rebuild from the foundation up, replace your belongings, and cover a serious liability claim. For San Diego homes, construction costs have climbed we run replacement-cost estimators to avoid the underinsurance trap. If you have retirement or investment assets, we’ll also size liability to protect them.