California Home Insurance Buyer Guide

Why insurance belongs in the affordability conversation before you write an offer.

Investigate insurance early

Premiums and availability can affect buying power, monthly cost, reserves, and lender requirements. Ask for property-specific quotes early enough to review coverage, exclusions, deductibles, and conditions before deadlines.

What can affect the result?

• Location, construction, roof, age, updates, safety features, and property characteristics.
• Claims history where applicable, catastrophe exposure, and local conditions.
• Coverage differences between condos, single-family homes, ADUs, and investment property.
• Lender requirements, deductibles, flood or earthquake considerations, and available coverage.

Do not rely on stale premium examples or assume a prior owner’s policy will transfer. Compare current information from qualified insurance professionals and confirm requirements with the lender.

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Educational information only. Realty Savers does not recommend insurers or provide insurance, legal, tax, or lending advice.