Homeowners Insurance in Van Nuys, CA
A homeowners insurance policy can help protect your finances in a variety of situations, such as if your home is damaged or a guest gets injured. At Lolo's Insurance, we’re here to help California homeowners get the coverage that meets their circumstances.
What Does Homeowners Insurance Cover?
A standard homeowners insurance policy may cover the following: 
- Damage to your house’s exterior and attached structures, such as chimneys and porches, caused by fire, theft, certain natural disasters or vandalism
- Damage to detached structures, such as garages, sheds and fences
- Repair or replacement costs of personal belongings, such as appliances, clothes, electronics or furniture, subject to coverage limits
- Third-party claims of property damage and bodily injuries for which you or another insured were at fault
- Meals, shelter and other necessities if a covered peril forces you to temporarily move out of your home
Is It Required?
While California does not mandate homeowners insurance, some lenders may require proof of a policy if you’re financing your property. Regardless, it’s generally advisable to carry sufficient coverage to reduce the financial burden of unexpected perils.
How Much Does a Policy Cost?
Your insurer may consider several aspects of your situation when quoting you for a rate. These may include:
- Location
- Property size and value
- Claims history
- Policy specifics (e.g., deductible, coverage limits)
You can often lower your premiums by having a higher deductible, installing fire alarms and security systems, and bundling for multi-policy discounts.
Get Covered Today
If you want to learn more about your coverage options, we’re here to help you. Contact Lolo's Insurance to request a quote.