Homeowners and Renters Insurance in Los Angeles
Your home and your things matter. Homeowners insurance and renters insurance help you recover after a fire, theft or other covered loss.
We help homeowners, condo owners and renters in Los Angeles find coverage that fits their place and their budget.
What does homeowners insurance cover?
- Your house: helps repair or rebuild after a covered loss
- Your things: helps replace furniture, clothes and electronics
- Liability: helps if someone is hurt at your home
- Extra living costs: may help pay for a place to stay while your home is fixed
What does renters insurance cover?
Renters insurance covers your things and your liability. Your landlord's policy covers the building, not your stuff. Renters insurance is often low cost for the help it gives.
Know what is not covered
Most home policies do not cover floods or earthquakes. In California, many people add earthquake coverage. Wildfire risk can also affect your coverage. We will point out what your plan does and does not cover.
Condo insurance
If you own a condo, your HOA policy often covers the building. You still need coverage for the inside of your unit, your things and your liability. A condo policy fills that gap.
How much home insurance do I need?
Your coverage should be enough to rebuild your home, not just what it would sell for. Building costs in Los Angeles can be high. We help you look at rebuild costs, your things, and how much liability you want.
Make a list or video of your things. It makes a claim much easier if you ever need to file one.
Wildfire, earthquake and California homes
California homes face risks other places do not. Wildfire can affect what coverage is available. Earthquake coverage is often sold on its own. We help you understand your choices and where to find them.
If you have trouble finding fire coverage, the California FAIR Plan is a backup option for many homes. For earthquake coverage, many homeowners look at the California Earthquake Authority.
Get a home or renters insurance quote
- Share your address and the type of home
- Tell us the year it was built and its size
- List any upgrades, like a new roof
- Tell us about your things and any high-value items
- We help you compare your choices
Why work with Jeff Davis Insurance?
California homes have special risks like wildfire and earthquakes. We help you understand what your policy covers, where the gaps are, and how to fill them.
Request a free quote, send us a message, or call 310-704-4901.
Frequently asked questions
Is homeowners insurance required?
The law does not require it, but your mortgage lender almost always does.
Does homeowners insurance cover earthquakes?
Usually not. In California, earthquake coverage is often bought separately.
Why do I need renters insurance?
Your landlord's insurance does not cover your things. Renters insurance protects your belongings and your liability.
Can I bundle home and auto insurance?
Yes. Bundling can make things simpler and may save money.
Does renters insurance cover my roommate?
Usually not. Each roommate often needs their own policy unless they are listed on yours.
Are my jewelry and art covered?
Basic policies may have low limits for high-value items. You can often add more coverage for them.
Coverage is subject to insurer underwriting, approval and policy terms. A quote request does not bind coverage.