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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Residential Insurance: Homeowners and Renters (information guide, text version)",
  "publisher": "California Department of Insurance",
  "url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/res-ins-guide.cfm",
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  "jurisdiction": "CA",
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  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "revised periodically by CDI; the current text version carries the revision line Form 401 Revised January 2026, so compare that line against the live page each review cycle",
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  "supportsClaims": [
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c1",
      "checksum": "8fdc0f0fd846",
      "text": "The guide describes a homeowners policy in coverage parts: Coverage A Dwelling, Coverage B Other Structures, Coverage C Personal Property, Coverage D Loss of Use, Coverage E Personal Liability, and Coverage F Medical Payments to Others."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c2",
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      "checksum": "12776344cd9a",
      "text": "Coverage B Other Structures is normally limited to 10 percent of the Coverage A limit."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c3",
      "checksum": "523f654bf1a9",
      "text": "Coverage C provides protection for the contents of the home and other personal belongings owned by the insured and other family members who live with the insured, and additional amounts of insurance may be purchased."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c4",
      "checksum": "482f4be58e05",
      "text": "The contents limit is generally around 50 percent of the dwelling amount, and the guide states that this is a guideline only."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c5",
      "checksum": "6b289c4128b7",
      "text": "Coverage D Loss of Use is normally limited to 20 percent of Coverage A."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c6",
      "checksum": "09eb495806a8",
      "text": "Under the heading for what is typically covered by a homeowners policy if damage is caused by, the guide lists fourteen causes of loss: fire or lightning; windstorm or hail; explosion; riot or civil commotion; aircraft; vehicles; smoke; vandalism and malicious mischief; theft; volcanic eruption; falling objects; weight of ice, snow, sleet; sudden and accidental water damage; and breakage of glass."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c7",
      "checksum": "6d992f9740d0",
      "text": "The guide lists typical exclusions: flood; earthquake; earth movement; termites; insects, rats or mice; water damage caused by seepage or leaks; losses to a house vacant for 60 days or more; mold; wear and tear or maintenance; war; insurrection; tidal wave; neglect; and nuclear hazard."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c8",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c8",
      "checksum": "457e49981e3f",
      "text": "The guide carries the instruction to read the exclusions in the insurance contract."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c9",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c9",
      "checksum": "6ca62a9c40bb",
      "text": "Coverage on certain types of property especially susceptible to loss is limited: jewelry, antiques, furs, collectibles, fine arts, firearms, silverware, and money."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c10",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c10",
      "checksum": "39fc1eac72e6",
      "text": "The limited coverage amounts for specific types of personal property are not separate limits in addition to the contents limit; they are included in the overall contents limit and represent the maximum paid out for that specific type of personal property."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c11",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c11",
      "checksum": "25a8da822c29",
      "text": "The guide defines the deductible as the amount of loss that the policyholder is responsible to pay up-front before covered benefits from the insurance company are payable."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c12",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c12",
      "checksum": "e4621863d8a3",
      "text": "The guide states that if the insured can afford to take a bit more of the risk, a larger deductible may significantly reduce the premium."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c13",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c13",
      "checksum": "8e9091d0b121",
      "text": "The guide states that an actual cash value policy will not completely replace the home, that a replacement cost policy improves the chances of being able to completely rebuild, that a policy cannot be sold as a guaranteed replacement cost policy unless it will pay to completely rebuild the home regardless of the coverage limit, and that other types of replacement cost policies will pay the policy limits plus a certain percentage above those limits."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c14",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c14",
      "checksum": "622c48af108a",
      "text": "For renters policies, the guide states that Coverage E Personal Liability is generally subject to a minimum of $100,000 and Coverage F Medical Payments to Others is generally subject to a minimum of $1,000."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c15",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c15",
      "checksum": "ad74930ffc75",
      "text": "The guide states that the landlord does not provide insurance for the tenant's personal property."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c16",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c16",
      "checksum": "a29f77dc20ea",
      "text": "The guide identifies itself on the page as Form 401, Revised January 2026."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c17",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c17",
      "checksum": "d91d6aac6bcb",
      "text": "The guide lists the coverages of a homeowners policy as \"Coverage A - Dwelling, Coverage B - Other Structures, Coverage C - Personal Property, Coverage D - Loss of Use, Coverage E - Personal Liability, Coverage F - Medical Payments to Others.\""
    },
    {
      "claimId": "cdi-residential-insurance-guide#c18",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c18",
      "checksum": "4ebe6df4d545",
      "text": "The guide describes Coverage D as follows: \"This coverage will help with additional living expenses if your home is damaged by a peril insured against to the extent that you cannot live in your home. These expenses include, but are not limited to, housing, meals and warehouse storage. Coverage D is normally limited to 20 percent of Coverage A.\""
    },
    {
      "claimId": "cdi-residential-insurance-guide#c19",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c19",
      "checksum": "ce8e717a0b08",
      "text": "The guide states: \"After a residential policy has been in effect for sixty days, the insurance company can only cancel a policy for reasons specified by law, which include; nonpayment of premium, fraud, material misrepresentation, or physical changes in the insured property that increase any hazard insured against.\""
    },
    {
      "claimId": "cdi-residential-insurance-guide#c20",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c20",
      "checksum": "51176609bf4e",
      "text": "The guide defines material misrepresentation as \"A false statement given by an applicant of any important fact that had the insurance company known the truth, it would not have insured the risk.\""
    },
    {
      "claimId": "cdi-residential-insurance-guide#c21",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c21",
      "checksum": "e630fec8ae1d",
      "text": "The guide states: \"The condominium association generally purchases insurance for the building structure and common areas, such as corridors and walls.\""
    },
    {
      "claimId": "cdi-residential-insurance-guide#c22",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c22",
      "checksum": "4cffa0c9a1f3",
      "text": "The guide states: \"Like renters insurance, condominium unit-owners insurance provides coverage for personal property, loss of use, personal liability and medical payments to others. However, it also includes coverage for damages to the interior of the unit and improvements for which the unit owner is responsible to maintain in accordance with the governing rules of the condominium association.\""
    },
    {
      "claimId": "cdi-residential-insurance-guide#c23",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c23",
      "checksum": "0e822594cbd5",
      "text": "The guide states: \"Loss assessment may be an important coverage for you to consider, because it covers you for certain assessments that the condominium association makes as a result of a loss.\""
    },
    {
      "claimId": "cdi-residential-insurance-guide#c24",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c24",
      "checksum": "87cd1c7dfbcf",
      "text": "The dwelling limit should be the amount it would cost to replace your home, which may have nothing to do with the purchase price or the current market value."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c25",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c25",
      "checksum": "43291416fb85",
      "text": "Homeowners should base the limit on the cost of labor and materials necessary to rebuild the dwelling, not fluctuations in the real estate market."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c26",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c26",
      "checksum": "622c4adf3fc9",
      "text": "Under an actual cash value settlement the recovery is reduced by a fair and reasonable deduction for physical depreciation, and with a replacement cost policy the chances that you will be able to completely rebuild your home are better."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c27",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c27",
      "checksum": "e63c2fc3a187",
      "text": "Insurance coverage for losses resulting from floods is generally not provided in a homeowners or renters policy."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c28",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c28",
      "checksum": "5970a2dc0a02",
      "text": "When an insurer writes your homeowners coverage in California, the insurer is legally obligated to offer you earthquake coverage for an additional premium."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c29",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c29",
      "checksum": "c168f2deb6da",
      "text": "What was previously called Extended Replacement Cost Coverage is now called Limited Replacement Cost Coverage."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c30",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c30",
      "checksum": "d4f3c3156073",
      "text": "The dwelling limit should be the amount it would cost to replace the home, and this may have nothing to do with the purchase price or the current market value of the home, as homeowners insurance does not generally cover the value of the land upon which the dwelling sits."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c31",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c31",
      "checksum": "88368af379ca",
      "text": "When determining the amount of coverage to purchase, consumers should consider the cost of labor and materials necessary to rebuild the dwelling, not fluctuations in the real estate market."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c32",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c32",
      "checksum": "800bd0846b3c",
      "text": "Insurance companies have their own formulas for evaluating replacement cost, and because those formulas are unique to each company, different insurers may suggest or require different limits of coverage for the same dwelling."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c33",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c33",
      "checksum": "0deabce0d3ce",
      "text": "In a section summarizing key legislation, this guide describes Senate Bill 1855 (2004) as changing the use of the words Extended Replacement Cost Coverage in the California Residential Property Insurance Disclosure to Limited Replacement Cost Coverage. The page states this only as a description of that 2004 bill's effect on the wording of that disclosure; it does not state that Extended Replacement Cost Coverage is generally now called Limited Replacement Cost Coverage, and it gives no rationale specific to the change of words."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c34",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c34",
      "checksum": "d38dcf4cd20f",
      "text": "A policy cannot be sold as a guaranteed replacement cost policy unless it will pay to completely rebuild the home regardless of the coverage limit."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c35",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c35",
      "checksum": "ec2ea3d3191a",
      "text": "Unless the policy has building code upgrade coverage, the insurance company may not pay for changes needed to bring the structure up to current building codes."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c36",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c36",
      "checksum": "e610d370c5a5",
      "text": "CDI advises consumers to ask their agent, broker, or insurer whether they automatically review or increase limits on a regular basis, or whether they offer an automatic inflation guard option."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c37",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c37",
      "checksum": "05f2b7298206",
      "text": "In its actual cash value discussion this guide uses the formulation the policy limit or the fair market value of the structure, whichever is less."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c38",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c38",
      "checksum": "4dab9df20083",
      "text": "CDI describes a homeowners policy as divided into a property section with Coverage A dwelling, Coverage B other structures, Coverage C personal property and Coverage D loss of use, and a liability section with Coverage E personal liability and Coverage F medical payments to others."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c39",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c39",
      "checksum": "d142707bced3",
      "text": "CDI states that Coverage A provides major property coverage protecting the house and attached structures if damaged by a covered peril."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c40",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c40",
      "checksum": "e637be079654",
      "text": "CDI states that Coverage B other structures is normally limited to 10 percent of the Coverage A limit, and that Coverage D loss of use is normally limited to 20 percent of Coverage A."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c41",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c41",
      "checksum": "bef9da1b1034",
      "text": "CDI states that certain personal property categories such as jewelry and firearms are subject to special limits that cap the amount paid."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c42",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c42",
      "checksum": "73f169a1f0b9",
      "text": "CDI states that an actual cash value policy will not fully replace a destroyed home because it subtracts depreciation and pays either the repair cost less wear and tear or the policy limit, whichever is less."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c43",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c43",
      "checksum": "8825e0fdd3a5",
      "text": "CDI states that a policy cannot be sold as a guaranteed replacement cost policy unless it will pay to completely rebuild the home regardless of the coverage limit, and that other replacement cost variants pay the policy limits plus a certain percentage above those limits."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c44",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c44",
      "checksum": "06ee4c658293",
      "text": "CDI warns that unless the policy has building code upgrade coverage, the insurance company may not pay for changes needed to bring the structure of the home up to current building codes."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c45",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c45",
      "checksum": "9e0b816ddbad",
      "text": "CDI advises reviewing the dwelling limit initially and upon renewal, discussing any modifications to the home in writing with the agent, broker, or insurer, and contacting local general contractors to ask the current price per square foot for a home similar to your own."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c46",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c46",
      "checksum": "858a534f4c20",
      "text": "CDI advises keeping an inventory of personal property listing all items owned, the dates purchased, and the price, and offers a free Home Inventory Guide."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c47",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c47",
      "checksum": "dbc267428292",
      "text": "CDI states that Coverage D reimburses housing, meals and warehouse storage when a covered loss makes the home uninhabitable, and advises keeping receipts for all additional living expenses and submitting them to the company for reimbursement consideration."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c48",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c48",
      "checksum": "ea9dcef1ac6a",
      "text": "CDI warns that if you shop by comparing prices only and not by comparing coverage, you are doing yourself a disservice."
    },
    {
      "claimId": "cdi-residential-insurance-guide#c49",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide#c49",
      "checksum": "0c3406fceb4a",
      "text": "CDI notes that SB 1855 (2004) requires insurers to disclose, in the California Residential Property Insurance Disclosure and on the declarations page, that the cost to rebuild your home may be different from your homeowners policy limits, and that insurers must distribute the California Residential Property Insurance Bill of Rights every other year."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "When does a landlord need a landlord policy instead of homeowners coverage?",
      "url": "https://bestinsuranceresearch.com/questions/landlord-policy-vs-homeowners"
    },
    {
      "kind": "Question",
      "title": "What does a lender insurance requirement actually prove?",
      "url": "https://bestinsuranceresearch.com/questions/lender-insurance-requirement"
    },
    {
      "kind": "Question",
      "title": "What is the difference between replacement cost and market value?",
      "url": "https://bestinsuranceresearch.com/questions/replacement-cost-vs-market-value"
    },
    {
      "kind": "Coverage",
      "title": "Homeowners insurance",
      "url": "https://bestinsuranceresearch.com/insurance/homeowners"
    },
    {
      "kind": "Coverage",
      "title": "Landlord / rental dwelling insurance",
      "url": "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling"
    },
    {
      "kind": "Coverage",
      "title": "Residential earthquake insurance (California)",
      "url": "https://bestinsuranceresearch.com/insurance/residential-earthquake-california"
    },
    {
      "kind": "Worksheet",
      "title": "Renewal Readiness Checklist",
      "url": "https://bestinsuranceresearch.com/tools/renewal-readiness"
    },
    {
      "kind": "Worksheet",
      "title": "Policy Comparison Workspace",
      "url": "https://bestinsuranceresearch.com/tools/policy-comparison"
    },
    {
      "kind": "Module",
      "title": "Residential Property Position (19 checks)",
      "url": "https://bestinsuranceresearch.com/tools/property-position"
    },
    {
      "kind": "Module",
      "title": "California Earthquake Coverage (6 checks)",
      "url": "https://bestinsuranceresearch.com/tools/earthquake-pathways"
    }
  ],
  "reliedOnByCount": 10,
  "citation": {
    "text": "California Department of Insurance. \"Residential Insurance: Homeowners and Renters (information guide, text version).\" unknown. https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/res-ins-guide.cfm (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record cdi-residential-insurance-guide, content version 2026.08.31. https://bestinsuranceresearch.com/sources/cdi-residential-insurance-guide",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}