--- title: California Homeowners Should Wise Up To Insurance Coverage description: Natural disasters seem to be striking with regularity recently not only around the world, so turn to insurance image: https://www.sutherland-scherff.com/hs-fs/file-13462343-jpg/images/california_homeowners_should_wise_up_to_insurance_coverage.jpg --- [![logo](https://www.sutherland-scherff.com/hs-fs/file-2124776912-png/image/logo.png)](https://www.sutherland-scherff.com/) [![Facebook](https://www.sutherland-scherff.com/hs-fs/file-2124776847-png/image/f.png)](http://www.facebook.com/pages/Sutherland-Scherff+Insurance+Services,+Inc./259814816749)[![Twitter](https://www.sutherland-scherff.com/hs-fs/file-2123924931-png/image/t.png)](http://www.twitter.com/SutherlandIns)[![YouTube](https://www.sutherland-scherff.com/hs-fs/file-2124776862-png/image/y.png)](http://www.youtube.com/user/SutherlandIns)(888) 400-1133 # The Insurance Family Blog ## [California Homeowners Should Wise Up To Insurance Coverage](https://www.sutherland-scherff.com/blog/bid/61695/California-Homeowners-Should-Wise-Up-To-Insurance-Coverage) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on July 29, 2011 at 10:15 AM - [Tweet](https://twitter.com/share) ![California Homeowners Should Wise Up To Insurance Coverage](https://www.sutherland-scherff.com/hs-fs/file-13462343-jpg/images/california_homeowners_should_wise_up_to_insurance_coverage.jpg)Natural disasters seem to be striking with regularity recently not only around the world, but also within the U.S., and even inside the state of California. This is prompting many homeowners to reexamine their [homeowners’ insurance coverag](https://www.sutherland-scherff.com/personal-insurance/home-insurance/)e, which we at Sutherland-Scherff fully recommend. For many Californians, the idea of [earthquake insurance coverage](https://www.sutherland-scherff.com/personal-insurance/earthquake/) will spring to mind. But just because this is an obvious coverage to consider, **homeowners shouldn’t overlook other aspects** that may not be addressed in their existing insurance coverage. ## **Over 50% don’t have the right amount of coverage** The worrying statistic is that more than **half of homeowners in California** don’t have adequate insurance coverage for their property and possessions. The most overlooked areas are the coverage limits. For example, when **homeowners take out insurance** they often cover the value of the property, but the costs of construction and rebuilding aren’t taken into account here. The replacement cost of the home is what should be covered, not it’s current value. ## **The coverage types most people don’t consider** Consider if the **policy includes loss-of-use coverage**. This covers living expenses should the home become unusable. Take note of how long this coverage lasts. Two full years of coverage is ideal. When it comes to **personal possessions coverage**, carefully list out any high-value items with the **insurance company** and ensure these will be covered under your [California home insurance policy](https://www.sutherland-scherff.com/personal-insurance/home-insurance/). Valuable articles and **floater insurance coverage** comes in useful for these high value personal possessions. Also consider your **personal liability limit**.  At Sutherland-Scherff we recommend a limit of no lower than $300,000.  Increasing it to $500,000 is only $20-$30 extra per year.  An inexpensive way to protect your assets.  If you own pets, be sure your policy also includes [animal liability](https://blog.sutherland-scherff.com/blog/bid/34978/Is-Your-Dog-Covered-Under-Your-CA-Homeowners-Insurance).  As we have demonstrated, [California homeowners insurance](https://www.sutherland-scherff.com/personal-insurance/home-insurance/) should be anything but basic. Speaking to an insurance professional for a tailored insurance policy that covers individual needs is the best place to start. Topics: [Home Insurance](https://www.sutherland-scherff.com/blog/topic/home-insurance), [Homeowners Insurance](https://www.sutherland-scherff.com/blog/topic/homeowners-insurance), [General Liability Insurance](https://www.sutherland-scherff.com/blog/topic/general-liability-insurance), [Pet Insurance](https://www.sutherland-scherff.com/blog/topic/pet-insurance) ### **Subscribe** To Our Blog ### Most Popular Posts ### Browse by Tag - [Business Insurance (28)](https://www.sutherland-scherff.com/blog/topic/business-insurance) - [Auto Insurance (22)](https://www.sutherland-scherff.com/blog/topic/auto-insurance) - [restaurant insurance (22)](https://www.sutherland-scherff.com/blog/topic/restaurant-insurance) - [Home Insurance (17)](https://www.sutherland-scherff.com/blog/topic/home-insurance) - [Building Insurance (12)](https://www.sutherland-scherff.com/blog/topic/building-insurance) - [Homeowners Insurance (10)](https://www.sutherland-scherff.com/blog/topic/homeowners-insurance) - [Insurance (10)](https://www.sutherland-scherff.com/blog/topic/insurance) - [Property Insurance (7)](https://www.sutherland-scherff.com/blog/topic/property-insurance) - [Commercial Auto Insurance (6)](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance) - [Business Owners Insurance (5)](https://www.sutherland-scherff.com/blog/topic/business-owners-insurance) - [Condominium Insurance (5)](https://www.sutherland-scherff.com/blog/topic/condominium-insurance) - [California Restaurant Association (4)](https://www.sutherland-scherff.com/blog/topic/california-restaurant-association) - [Car Insurance (4)](https://www.sutherland-scherff.com/blog/topic/car-insurance) - [Fire Insurance (4)](https://www.sutherland-scherff.com/blog/topic/fire-insurance) - [Flood Insurance (4)](https://www.sutherland-scherff.com/blog/topic/flood-insurance) - [Personal Property Insurance (4)](https://www.sutherland-scherff.com/blog/topic/personal-property-insurance) - [dwelling fire policy (4)](https://www.sutherland-scherff.com/blog/topic/dwelling-fire-policy) - [Business Personal Property (3)](https://www.sutherland-scherff.com/blog/topic/business-personal-property) - [EPLI (3)](https://www.sutherland-scherff.com/blog/topic/epli) - [Earthquake Insurance (3)](https://www.sutherland-scherff.com/blog/topic/earthquake-insurance) - [General Liability Insurance (3)](https://www.sutherland-scherff.com/blog/topic/general-liability-insurance) - [Personal Liability (3)](https://www.sutherland-scherff.com/blog/topic/personal-liability) - [Personal Umbrella (3)](https://www.sutherland-scherff.com/blog/topic/personal-umbrella) - [Apartment Insurance (2)](https://www.sutherland-scherff.com/blog/topic/apartment-insurance) - [Building Ordinance or Law Coverage (2)](https://www.sutherland-scherff.com/blog/topic/building-ordinance-or-law-coverage) - [Business Liability Insurance (2)](https://www.sutherland-scherff.com/blog/topic/business-liability-insurance) - [Employment Practices Liability Insurance (EPLI) (2)](https://www.sutherland-scherff.com/blog/topic/employment-practices-liability-insurance-epli) - [Employment practices liability insurance (2)](https://www.sutherland-scherff.com/blog/topic/employment-practices-liability-insurance) - [General Liability (2)](https://www.sutherland-scherff.com/blog/topic/general-liability) - [Identity Theft Insurance (2)](https://www.sutherland-scherff.com/blog/topic/identity-theft-insurance) - [Life Insurance (2)](https://www.sutherland-scherff.com/blog/topic/life-insurance) - [Restaurant (2)](https://www.sutherland-scherff.com/blog/topic/restaurant) - [auto service insurance (2)](https://www.sutherland-scherff.com/blog/topic/auto-service-insurance) - [commercial insurance for restaurants (2)](https://www.sutherland-scherff.com/blog/topic/commercial-insurance-for-restaurants) - [Auto Repair (1)](https://www.sutherland-scherff.com/blog/topic/auto-repair) - [Auto Shop (1)](https://www.sutherland-scherff.com/blog/topic/auto-shop) - [Business Personal Property Insurance (1)](https://www.sutherland-scherff.com/blog/topic/business-personal-property-insurance) - [Commercial Property Insurance (1)](https://www.sutherland-scherff.com/blog/topic/commercial-property-insurance) - [EPLI for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/epli-for-restaurants) - [Employee Dishonesty Coverage (1)](https://www.sutherland-scherff.com/blog/topic/employee-dishonesty-coverage) - [Food Service Delivery (1)](https://www.sutherland-scherff.com/blog/topic/food-service-delivery) - [Home Based Business Insurance (1)](https://www.sutherland-scherff.com/blog/topic/home-based-business-insurance) - [Homeowners Coverages (1)](https://www.sutherland-scherff.com/blog/topic/homeowners-coverages) - [In Home Business Insurance (1)](https://www.sutherland-scherff.com/blog/topic/in-home-business-insurance) - [Insurance Policy Types (1)](https://www.sutherland-scherff.com/blog/topic/insurance-policy-types) - [Liability Insurance (1)](https://www.sutherland-scherff.com/blog/topic/liability-insurance) - [Liquor Liability (1)](https://www.sutherland-scherff.com/blog/topic/liquor-liability) - [Loss of Income Insurance (1)](https://www.sutherland-scherff.com/blog/topic/loss-of-income-insurance) - [Pet Insurance (1)](https://www.sutherland-scherff.com/blog/topic/pet-insurance) - [Renters Insurance (1)](https://www.sutherland-scherff.com/blog/topic/renters-insurance) - [Senate Bill 602 (1)](https://www.sutherland-scherff.com/blog/topic/senate-bill-602) - [Uninsured Motorist Insurance (1)](https://www.sutherland-scherff.com/blog/topic/uninsured-motorist-insurance) - [age discrimination (1)](https://www.sutherland-scherff.com/blog/topic/age-discrimination) - [best insurance practices for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/best-insurance-practices-for-restaurants) - [best practices for employment practices (1)](https://www.sutherland-scherff.com/blog/topic/best-practices-for-employment-practices) - [commercial auto insurance for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance-for-restaurants) - [employment law (1)](https://www.sutherland-scherff.com/blog/topic/employment-law) - [employment practices (1)](https://www.sutherland-scherff.com/blog/topic/employment-practices) - [employment risk management (1)](https://www.sutherland-scherff.com/blog/topic/employment-risk-management) - [food delivery service (1)](https://www.sutherland-scherff.com/blog/topic/food-delivery-service) - [food service (1)](https://www.sutherland-scherff.com/blog/topic/food-service) - [liability insurance for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/liability-insurance-for-restaurants) - [off premises utility interruption (1)](https://www.sutherland-scherff.com/blog/topic/off-premises-utility-interruption) - [property insurance for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/property-insurance-for-restaurants) - [restaurant hiring practices (1)](https://www.sutherland-scherff.com/blog/topic/restaurant-hiring-practices) - [restaurant law (1)](https://www.sutherland-scherff.com/blog/topic/restaurant-law) - [restaurants (1)](https://www.sutherland-scherff.com/blog/topic/restaurants) - [risk management for restaurants (1)](https://www.sutherland-scherff.com/blog/topic/risk-management-for-restaurants) - [utility interruption (1)](https://www.sutherland-scherff.com/blog/topic/utility-interruption) - [workers’ compensation insurance. (1)](https://www.sutherland-scherff.com/blog/topic/workers’-compensation-insurance) #### Personal Insurance - [Auto](https://www.sutherland-scherff.com/personal-insurance/auto-insurance/) - [Home](https://www.sutherland-scherff.com/personal-insurance/home-insurance/) - [Renters](https://www.sutherland-scherff.com/personal-insurance/renters-insurance/) - [Umbrella](https://www.sutherland-scherff.com/personal-insurance/umbrella-insurance/) - [Flood](https://www.sutherland-scherff.com/personal-insurance/flood-insurance/) - [Motorcycle](https://www.sutherland-scherff.com/personal-insurance/motorcycle-insurance/) - [Watercraft](https://www.sutherland-scherff.com/personal-insurance/watercraft-insurance/) - [Recreational Vehicle](https://www.sutherland-scherff.com/personal-insurance/recreational-vehicle-insurance/) - [Off-Road Vehicle](https://www.sutherland-scherff.com/personal-insurance/off-road-vehicle-insurance/) - [Dwelling Fire](https://www.sutherland-scherff.com/personal-insurance/dwelling-fire-insurance/) - [Earthquake](https://www.sutherland-scherff.com/personal-insurance/earthquake-insurance/) #### Business Insurance - [Commercial Property](https://www.sutherland-scherff.com/business-insurance/commercial-property/) - [General Liability](https://www.sutherland-scherff.com/business-insurance/general-liability/) - [Commercial Auto](https://www.sutherland-scherff.com/business-insurance/commercial-auto/) - [Worker's Compensation](https://www.sutherland-scherff.com/business-insurance/workers-compensation/) - [Apartment Insurance](https://www.sutherland-scherff.com/business-insurance/apartment-insurance/) - [Restaurant Insurance](https://www.sutherland-scherff.com/business-insurance/restaurant-insurance/) - [Auto Repair Insurance](https://www.sutherland-scherff.com/business-insurance/auto-repair-insurance/) - [Business Owners Policy](https://www.sutherland-scherff.com/business-insurance/business-owners-policy/) #### About Us - [Contact Us](https://www.sutherland-scherff.com/contact-us/) - [Our Company](https://www.sutherland-scherff.com/about-us/our-company/) - [Our Agents](https://www.sutherland-scherff.com/about-us/our-agents) - [Testimonials](https://www.sutherland-scherff.com/testimonials/) - [Partnership Program](https://www.sutherland-scherff.com/about-us/partnership-program/) - [Partners](https://www.sutherland-scherff.com/about-us/partners/) - [Realtors Program](https://www.sutherland-scherff.com/realtors-program/) - [Our Privacy Policy](https://www.sutherland-scherff.com/about-us/our-privacy-policy/) - [Claims](https://www.sutherland-scherff.com/service-center/24-hour-claim-numbers/) - [Payment Options](https://www.sutherland-scherff.com/make-a-payment/) - [Blog](http://sutherland-scherff.hs-sites.com/blog) #### Contact Us **Effective February 2nd, 2026:** 2948 Honolulu Ave La Crescenta, CA 91214-3909 **Local:** (818) 248-2860 **Toll Free:** (888) 400-1133 **Fax:** (818) 248-5977 ![](https://www.sutherland-scherff.com/hs-fs/hubfs/flogo4.png?width=216&height=198&name=flogo4.png "flogo4.png") 2013 Sutherland-Scherff | CA License #0G00862 | [Terms of Use](https://www.sutherland-scherff.com/about-us/our-privacy-policy/) | [Web design by SmartBug Media](http://smartbugmedia.com/)