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CONSUMERS: HAVING DIFFICULTY WITH HOMEOWNERS/RESIDENTIAL INSURANCE?

Since residential insurance often protects your largest financial investment, plan on taking enough time to conduct a comprehensive search of the insurance marketplace when purchasing insurance. The greater the extent of your search, the greater the opportunity to find residential insurance that meets your specific needs. Whether you are interested in purchasing homeowners (including fire only), renters, condominium unit owners, or mobile home insurance, it is important to shop and compare insurance products just like you would when shopping for any other important consumer purchase.

One of the most crucial steps in shopping for insurance is to be informed about what you are purchasing. The Consumer Information Insurance Guides can provide valuable information on all types of insurance, including residential insurance. The Residential Series specifically addresses common consumer concerns and issues surrounding residential insurance.

The California Department of Insurance (CDI) provides several tools to help consumers who are shopping for residential insurance. In addition to consumer information guides, you can use the Homeowners Premium Survey, the Consumer Complaint Study, and Insurance Company Profiles to gather valuable information on residential insurance companies. Also, you may want to investigate coverage through the California Fair Plan, if you are having difficulty obtaining residential property insurance.

In order to assist you further in shopping for residential insurance, we have provided a list of the current insurance companies licensed to sell residential insurance in California. You can contact the companies directly for quotation information by calling the phone number provided next to each company name. Remember that licensed insurance companies come in many shapes and sizes. Whether large, medium, or small, licensed insurance companies are required to follow the insurance laws and regulations in California. When shopping for insurance choose the company that best meets your needs for service, coverage, and price.

If you have additional questions or concerns regarding residential insurance, you may call our Consumer Hotline for further assistance.

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