Homeowners
California complete guide 2026 | Corona, CA | All CA homes | Wildfire OK | Bundle 25% | Same-day escrow | From $25/mo
Call (833) 371 5800 or request a homeowners quote.
What it covers — 6 protections
- Dwelling (A): rebuilds the house after fire, smoke, wind, lightning, vandalism. Covers structure, walls, roof, attached garage | Full replacement cost
- Other structures (B) 10%: detached garage, shed, fence
- Personal property (C) 70%: furniture, clothes, electronics, jewelry — theft even away from home
- Loss of use (D): hotel, rent, food if the home is uninhabitable after a fire — vital in CA
- Personal liability (E) $100k–$500k: dog bite, slip & fall, pool accident, lawsuit
- Medical payments (F) $1k–$5k: guest injury, quick settlement
Special California coverages we offer
- Wildfire: we still write in Riverside, San Bernardino, LA, and OC where others say no
- Earthquake: separate — CEA and private options
- Flood: separate — NFIP + private — required in flood zones
- Water backup: sewer / sump pump backup — a very common claim
- Ordinance or law: brings the home up to new CA building codes after a loss (10%, 25%)
- Jewelry, guns, fine arts floater | Home business | Pool and dog breeds accepted
What affects price in CA?
- ZIP / wildfire score | Age of home, roof type & age | Construction type
- Distance to fire hydrant & station | Claims history (CLUE) & credit
- Coverage amount (replacement cost) | Deductible $1,000–$5,000
Discounts we get you
- Bundle home + auto = save 20–25% | New roof under 10 years
- Smoke alarm, burglar alarm, fire extinguisher | Gated community / HOA
- No-claims discount | Loyalty / multi-policy
Starting prices at Jaikar
| Home type | Starting range |
|---|---|
| Condo HO-6 | From $300/yr ($25/mo) |
| Single-family $400k–$800k rebuild | $1,200–$2,500/yr |
| Larger home $800k+ rebuild | $2,500–$4,000/yr |
| Rental dwelling / landlord | From $900/yr |
What lender / escrow requires
- Dwelling: loan amount or replacement cost | List the mortgagee
- Deductible: max $2,500–$5,000 | Same-day evidence to lender / escrow
Why choose Jaikar for homeowners in CA
- High fire score areas: we write in Corona, Riverside, San Bernardino, OC, LA
- Same-day evidence to escrow / lender | Bundle & save 25% with auto + life
- Got a non-renewal letter (State Farm, Allstate, Farmers)? Bring it — we have 15+ carriers
- Replacement cost done correctly | Earthquake & flood explained
- Local — Corona, CA | Punjabi / English / Hindi | Fast 10-min quote
Fast quote: send property address + year built + sq ft + roof type. Start a quote →