California property insurance
Admitted vs. Nonadmitted Insurance in California: A Homeowner's Guide
What does admitted really mean? Understand surplus lines eligibility, guaranty coverage, policy comparison and costs.
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The CAPS Insurance
reading room.
Helpful explanations of California insurance topics and the questions worth asking before you make a policy decision.
← Back to CAPS Insurance homeAnswers for California homeowners & families
Start with your question.
Read insurance explanations designed to help you compare actual policies, not just advertising claims.
01 / FIELD GUIDEAuto, home & family planning
7 Insurance Mistakes Growing Families Should Avoid in Southern California
Seven policy mistakes to check as your household, home, vehicles and responsibilities change.
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02 / FIELD GUIDEWildfire & homeowners insurance
California FAIR Plan vs. Traditional Home Insurance: What Homeowners Should Know
Compare the FAIR Plan’s limited coverage with standard homeowners insurance and understand why a DIC policy may matter.
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03 / FIELD GUIDEWhen your home insurer says no
What to Do if Your Homeowners Insurance Is Non-Renewed in California
A practical, time-sensitive checklist for homeowners facing nonrenewal: dates, protections, shopping options and avoiding a lapse.
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Insurance questions deserve clearer answers.
Whether you're comparing a home policy or coverage for your business, our Claremont team can help you decide what to ask next.