California homeowners insurance solutions from Wellington Partners Insurance Services, an independent insurance brokerage helping homeowners secure coverage in today's challenging insurance market.
Whether you're purchasing a new home, refinancing, facing a non-renewal, approaching an escrow closing, or currently insured through the California FAIR Plan — tell us a little about the property and your situation. A licensed broker will review the details and follow up with available options from carriers still writing homeowners coverage in California.
An HO-3 policy is one of the most common homeowners insurance forms. It is designed to protect the home, other structures, personal property, loss of use, and personal liability.
Covers the main structure of your home, including attached structures, built-in fixtures, and major systems. The most important number on your policy is the dwelling limit, which should reflect the cost to rebuild the home — not the purchase price or market value.
Covers detached structures such as garages, fences, sheds, gazebos, and similar property features. This limit is often based on a percentage of Coverage A, but it may need to be increased for larger properties, ADUs, or extensive exterior improvements.
Covers your belongings, including furniture, clothing, electronics, and household items. Higher-value items such as jewelry, watches, art, and collectibles may need to be scheduled separately for proper protection.
Helps pay for temporary housing and additional living expenses if your home becomes uninhabitable due to a covered loss.
Homeowners policies also include personal liability and medical payments coverage. For larger homes or higher-value households, we may also recommend a personal umbrella policy.
Wellington Partners Insurance Services works with multiple insurance carriers and specialty markets to help homeowners find solutions when coverage is difficult to obtain.
We assist with:
Our team at Wellington Partners Insurance Services reviews each property individually to identify the most competitive coverage options currently available.
Whether you need coverage immediately or simply want a second opinion on your current policy, Wellington Partners Insurance Services is here to help.
Complete the quote request form and one of our licensed insurance professionals will review your information and contact you with available options.
Wellington Partners Insurance Services
Independent Insurance Brokerage
Serving Homeowners Throughout California
Request a no-obligation review or speak with a licensed California broker at Wellington Partners Insurance Services.
Request a Quote