Home

There are few things more devastating than losing your property to fire, theft or any other potential disaster. It is for this reason that California Mutual Insurance offers a homeowners policy with coverages to protect your home and belongings. Replacement Cost Property lost in a fire or other disaster? Let us help by covering the cost of replacement. Other Structure Have another structure (building) on your property that you would like to protect? Contact us, and we can make sure that it is. Below are just a few of the benefits of the coverage we offer. Contact our office at 1-800-310-5824, should you have further questions. Our Homeowners Package Includes: Coverages Dwelling HO3 Special Form Replacement Cost (add by endorsement) Direct Physical Loss – Contents Medical Coverage Loss of Use Other Structure Personal Liability Features Ordinance or Law Coverage (Included) 50%: Dwellings 1 to 5 Years old 10%: Dwellings 6 to 40 Years old (Option to Increase to 50%) Inflation Guard at 4% (Included) Replacement Cost Dwelling (add by endorsement) Replacement Cost Contents (add by endorsement) Loss Assessment at $5,000 Credits (Up to 60%) New Loan Credit New Home Credit Loss Deductible Credit for $500, $1,000, $1,500 & $2,500 Deductibles Loss Free Credit Fire & Theft Alarm Credit Full & Partial Sprinkler Credit Roof Credits for Non-Flammable Roof Tile Gated Community Credit Optional Coverages Increased Limits – MS-RCC Coverage A Coverage A (Extended Replacement Cost 150%) Coverage B – 10% Coverage C – 70% Coverage D – 40% Increased Unscheduled Personal Property Limits Scheduled Personal Property Personal Injury Earthquake CalAdvantage™ (Download Brochure – PDF) Appliance and equipment breakdown Outside service line (plumbing and electrical) Home Farm (Download Quick Reference Guidelines – PDF) Coverages for homeowners with light farm/ranch exposures Up to 20 acres Difference in Conditions (DIC) For homeowners needing a companion policy with the California Fair Plan And More