Dwelling, Liability, and Personal Property Coverage
Home insurance that protects what matters most.
Standard policies don't always cover what California throws at you. We make sure yours does.
What California homeowners actually need to know
California homeowners face risks that don't exist in most other states. Between rising rebuild costs, liability exposure, and complex policy exclusions, a basic policy often isn't enough. We help you understand exactly what's covered — and what's not — so there are no surprises when you need to file a claim.
We build policies that cover your dwelling, personal belongings, liability, and additional living expenses if you're displaced. Everything is explained in plain English — no decoder ring required.
Get your home insurance quote
Tell us about your property and we'll put together options — including FAIR Plan coverage if needed.
“Our home is in a high-fire zone and two other agencies turned us away. Flores Insurance found coverage through FAIR Plan and explained exactly what was and wasn't covered. Huge relief.”
Frequently Asked Questions
In a high-fire zone? We can help.
We specialize in FAIR Plan and wildfire coverage when other agencies can't help.
Learn about fire insurance