California
Homeowners Insurance

California Homeowners Insurance offers pretty standard coverage types. However, there are a few additional coverage plans that are not mentioned in our general homeowners insurance information page. They are:

Building Code Upgrade (BCU) coverage covers the additional expenses that might be encountered if a structure has to be updated to meet current building codes. This can only be claimed during the rebuilding or repair process of a damaged portion of a dwelling.

This coverage is not always included in your insurance policy. If you have an older policy, this coverage could save you money in the event your home has to be rebuilt.

Structures other than the dwelling coverage covers structures that are on the property, but are not attached to the dwelling. These types of structure include, but are not limited to: sidewalks, driveways, permanently installed yard fixtures, and private or decorative fences.

There is typically a payout limit for this coverage that is usually cenetered around 10 percent of the value of the dwelling.

For more information on homeowners insurance, visit our homeowners insurance page.

Read our review on Lowering your Homeowners Insurance

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