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Modern House
Modern House

Home Insurance

A homeowners policy is insurance that protects you financially in the event of a fire and damage to your home and in the event of burglary and theft of your belongings or other catastrophes. Homeowners' insurance is generally required by mortgage lenders.

The Lotts Agency has a distinguished appointment with the state of California and the  California Fair Plan for high-risk fire policies.


Homeowners insurance typically covers your house and everything in it from damage due to fire, wind, heavy snow, and other disasters known as “perils.”

The loss of use section of your policy reimburses you for hotel stays or other expenses when forced to move out during covered repairs. Your policy’s liability coverage will also compensate those who are injured, or their property is damaged as a result of such perils. 

Standard homeowners policies don’t cover damage due to flooding, earthquakes, landslides, normal wear, and tear, or infestations. 

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