What Homeowners Insurance Covers (and Doesn’t) in California

Many Carlsbad homeowners are surprised to learn that not everything is covered by a standard homeowners insurance policy.

Typically covered:

• Fire and smoke damage

• Theft and vandalism

• Wind and hail damage

• Liability for injuries on your property

Typically NOT covered:

• Earthquakes

• Flooding

• Wear and tear or poor maintenance

Because California is prone to earthquakes and certain flood risks, many homeowners benefit from adding separate earthquake or flood insurance policies. Reviewing these exclusions before a loss happens can prevent costly surprises.