Homeowners insurance
A clearer path through California home insurance
Ting Insurance Services LLC is an independent agency in the San Gabriel Valley, serving homeowners across California. We look at your current policy and show you what it covers and what it leaves out.
What a home policy covers
- The house: Repair or rebuilding of your home and attached structures after covered damage.
- Other structures: Protection for detached structures, such as a garage or shed.
- Your belongings: Coverage for furniture, clothing and other personal possessions.
- Extra living costs: Help with added housing and other living expenses when covered damage makes your home unlivable.
- Liability: Help with covered claims and legal defense when you are responsible for injury or damage to others.
- Guest medical: Limited help with medical expenses for accidental injuries to others on your property, not health insurance for your household.
What a standard California policy leaves out
- Earthquake: Standard homeowners insurance excludes earthquake damage; review a separate policy on our Earthquake page.
- Flood: Most homeowners policies exclude flood damage. Flood insurance is a separate policy.
- Water backup: Sewer or drain backup is typically excluded and often needs an add-on; start with our water-backup question.
- FAIR Plan gaps: A California FAIR Plan dwelling policy leaves out water damage, theft and liability, which a separate Difference in Conditions policy may address; read our FAIR Plan gaps guide.
How we work
As part of every quote, we review the current policy and coverage documents you provide.
Request a home quote, book a call online or request a call back. You can also email hello@tinginsurance.com.
We review your request and contact you.
What to have ready
Start with what you have:
- The property address and year built.
- The roof's age and any replacement records.
- Details of plumbing, electrical or other home updates.
- Your current policy declarations page, which summarizes coverage and limits, and any add-ons.
- A renewal or non-renewal notice, or your expected closing date.
- How you use the home, including any rental use.
Common questions
Is homeowners insurance the same as a California FAIR Plan policy? (show answer)
No. The FAIR Plan provides basic fire coverage. A separate Difference in Conditions policy may fill gaps such as water damage, theft and liability.
Does homeowners insurance cover flooding? (show answer)
Most policies do not. Ask about separate flood insurance rather than assuming that water-damage coverage includes flooding.
Is water backup included with water-damage coverage? (show answer)
Not necessarily. Ask whether your policy includes a sewer or drain backup add-on, and what its limit and deductible are.
Should my house be insured for its sale price? (show answer)
The dwelling limit should reflect rebuilding cost, not the land's value or the home's sale price.
Can I ask for a review before renewal? (show answer)
Yes. As part of every quote, we review the current policy and coverage documents you provide. Share your policy and renewal notice with your request.
What if I own a condo or rent out the property? (show answer)
Start with the page for your use: Condo, Landlord coverage for 1–4 units or Short-term rentals.
Let's start with the policy you have
Share your current coverage and the change you are planning for, whether it is renewal, a purchase or a non-renewal notice.
We review your request and contact you.
Sources (5)
- Residential Insurance: Homeowners and Renters - California Department of Insurance. Accessed Nov 1, 2026. Six coverage parts and rebuilding cost versus sale price.
- Earthquake Insurance for Homeowners - California Department of Insurance. Accessed Nov 1, 2026. Earthquake exclusion and separate policy.
- Eligibility - FEMA/NFIP. Accessed Nov 1, 2026. Homeowners flood exclusion.
- Which disasters are covered by homeowners insurance? - Triple-I. Accessed Nov 1, 2026. Sewer backup exclusion and endorsement option.
- Difference in Conditions (DIC) - California FAIR Plan. Accessed Nov 1, 2026. Water damage, theft and liability gaps, and separate DIC coverage.