Protecting Your Home in California

Your home is more than just a building; it’s where life’s most important moments happen. At HRI Agency, we understand the significance of these moments, which is why we offer comprehensive California homeowners insurance tailored to protect your home and everything in it. Whether you face wildfire, earthquake, or other unforeseen circumstances, our policies are designed to provide the coverage you need in the Golden State.

Our Homeowners Insurance Options

Our policies are crafted to meet the diverse needs of California homeowners, offering essential protection that gives you peace of mind. Here’s what we can provide:

Standard Homeowners Insurance

Covers your home’s structure, personal belongings, and liability in case of accidents or disasters.

Additional Living Expenses

If your home is uninhabitable due to a covered loss, your policy can cover the costs of temporary housing and living expenses.

Extended Replacement Cost

Provides additional coverage beyond your policy limit to help rebuild your home, even if costs exceed original estimates, particularly useful in areas with high construction costs like California.

Why Choose HRI Agency?

Local Expertise

Deep understanding of California-specific risks and how to protect against them.

Customizable Coverage

Tailor your insurance to match the unique aspects of your home and personal circumstances.

Dedicated Support

Our experts are here when you need us, offering guidance after a loss and helping you navigate your claim with ease.

Frequently Asked Questions

Consider the common risks in your area, such as earthquakes and wildfires, and ensure your policy addresses these specifically.

Absolutely! We offer a range of add-ons and adjustments to ensure your policy fits your specific needs.

Your policy can include coverage for personal belongings, from furniture to electronics, against theft, damage, and loss.

Contact us immediately. Our team will guide you through the claims process step-by-step, making it as straightforward as possible.

Liability coverage protects you from financial losses if someone is injured on your property or you are responsible for damage to another person’s property.

Black Handled Key on Key Hole

Ready to Protect Your Home?

Our agents are ready to tailor a policy that suits your needs and budget.