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Property Damage Coverage | California Home Insurance

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Property damage coverage for a California home insurance policy protects your wallet from costs due to property damage caused by natural phenomena, vandalism, fire, and many other sources of damage or perils. To learn more about the various forms of property damage covereage available on our California home insurance policies please click on the read more button at left or click on the get quote button below to be imediately redirected to our California home insurance quote request form.

Home Insurance Policies and What They Cover

Types of Perils

Covered Perils

HO1

HO2

HO3

Fire or lightning

x

x

x

Loss of property on premises due to fire or other perils

x

x

x

Vehicles

x

x

x

Windstorm or hail

x

x

x

Smoke

x

x

x

Explosions

x

x

x

Theft

x

x

x

Vandalism and malicious mischief

x

x

x

Riot or civil commotion

x

x

x

Aircraft

x

x

x

Breakage of glass constituting part of the building

x

x

x

Collapse of building(s)

 

x

x

Weight of ice, snow or sleet

 

x

x

Freezing of plumbingheating and air conditioning systems and domestic appliances

 

x

x

Falling Objects

 

x

x

Accidental discharge, leakage or overflow of water or steam from within a plumbing, heating or air conditioning system or domestic appliance

 

x

x

Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system or of appliances for heating water

 

x

x

Sudden and accidental damage from artificially generated currents to electrical appliances, devices, fixtures and wiring

 

x

x

All perils except for flood, earthquake, war, nuclear accident. (Check your policy for complete list of perils.)

   

x

Coverage for jewelry, art, antiques, etc. May also include coverage for building code upgrades and sewer backups.

Can be added to any policy for an additional charge.

Perils

the perils of a property damage insurance policy indicate what types of damage qualify the policy-holder for reimbursement under the policy. This means that you will only receive insurance benefits for property-damaging-events caused by any of the perils listed on your policy. Another word for perils is danger or risk. You can look at perils in your California homeowners insurance as those things against which the policy protects. 

Make sure you choose the perils on your policy wisely. It would be a shame to pick a basic policy after receiving your free homeowner's insurance quotes, and be too late to realize that a basic home insurance plan does not cover damage to water, heating, and ventilation systems installed inside of your walls. The perils of a California home insurance policy are what make it worth purchasing or not.

Forms Of California Home Insurance 

There are three common forms of property damage insurance for houses in Calfornia. 

You may purchase either basic, broad, or special-form property damage coverage for your California home insurance. The differences between these three types of coverage options are illustrated in the chart.

 

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