Skip to content
Ting Insurance Services LLC
Menu
A large cream Mediterranean-style house with a red tile roof, tall palm trees and a planted slope

Home insurance for the details that make your home yours

Ting Insurance Services LLC is an independent agency that helps California homeowners explore higher-value home insurance. Tell us about your home's custom features, improvements and valuables so we can discuss your coverage questions together.

Request a quoteBook a call

What it usually covers

Start with these parts of a home policy, then discuss any additional coverage. Terms and limits vary.

  • The home and other structures. Review the dwelling and detached structures for covered damage.
  • Belongings and valuables. Jewelry and art may need separately listed coverage, often called a schedule or floater. Ask about item limits, covered causes of loss and appraisals.
  • Temporary living costs. Review additional living expense coverage if covered damage makes the home uninhabitable.
  • Personal liability. Discuss the home policy's limits and whether a separate personal umbrella may add liability coverage above underlying home and auto policies.

Who it is for

Start here if you own a larger or custom home, have made substantial improvements, or want to discuss valuable belongings alongside your home policy. Bring the details that make your home yours.

A rebuilding estimate that misses custom materials or features may understate the work involved. California's standards for replacement-cost estimates that insurance licensees give for homeowners applications or renewals require consideration of features including interior finishes, roofing, foundation type, location and nonstandard wall heights. Ask which details the estimate uses.

The dwelling limit should reflect rebuilding cost, which can differ from purchase price or market value.

What to have ready

Start with what you have:

  • Your current home policy and any umbrella or separate property policies.
  • The home's size, construction details and any rebuilding estimate.
  • Details of custom finishes, detached structures and recent improvements.
  • An inventory of belongings, with photos and any valuables appraisals.
  • Questions about wildfire, earthquake, flood or a renewal notice.
  • Questions about liability limits and the people or activities to discuss.

For inventory preparation, see the CDI Home Inventory Guide. These prompts begin the conversation; they do not determine eligibility.

Common questions

Is there a minimum home value for this page? (show answer)
Use this page to start a conversation about your home, improvements and belongings. We have not set a dollar cutoff here. Ask about the underwriting requirements for any proposed policy.
How do I check whether an estimate reflects my custom home? (show answer)
Ask which materials, finishes and construction features were entered. Include recent work and features that differ from a standard design. California's estimate standards specifically include those details.
Does one contents limit cover all my jewelry and art? (show answer)
Check item limits and exclusions as well as the total. Separately listing valuables may be an option; ask what appraisals are needed and which losses would qualify.
What should I ask about wildfire and earthquake? (show answer)
Ask how fire coverage, deductibles and exclusions apply to your property. Earthquake and flood damage are generally excluded from homeowners policies, so discuss them separately.

Let's talk about the details of your home

Bring your current policy and tell us what has changed, or what you would like explained. As part of every quote, we review the current policy and coverage documents you provide.

Request a quoteBook a callEmail us

We review your request and contact you.

Sources (5)

  1. Residential Insurance: Homeowners and Renters - California Department of Insurance. Accessed Nov 6, 2026. Home-policy sections, valuables, rebuilding versus market value, and earthquake/flood exclusions.
  2. Title 10, section 2695.183: Standards for Estimates of Replacement Value - California Code of Regulations. Accessed Nov 6, 2026. Public text hosted by Cornell Legal Information Institute. Required consideration of construction and custom features; no market-value threshold inferred.
  3. Do I need special coverage for jewelry and other valuables? - Insurance Information Institute. Accessed Nov 6, 2026. Special limits, separately scheduled items and appraisals.
  4. What is an umbrella liability policy? - Insurance Information Institute. Accessed Nov 6, 2026. Additional liability above underlying policies.
  5. Home Inventory Guide - California Department of Insurance. Accessed Nov 6, 2026. Inventory preparation only; older publication not used for current limits or law.