California E&S Insurance

Depending on where you are in Southern California, the cost to replace a house could easily be $150 to $200 per square foot plus the garage.  That would include the foundation, which might not be usable if it were subjected to extreme heat in a fire.  So full replacement cost could be as high as $420,000 plus the garage.  You may also want to look at your liability limit, especially if your net worth is significant.  Best to get the agent and any competitors to run a full replacement cost estimate on the house. Raising the deductible to whatever the lender will permit will save you some money.  Typically that is $2,000.  Filing a claim for a small loss is not smart anyway, so I take on the risk of small losses. Typically you get discounts for getting your auto and home insurance from the same company.  I have State Farm, which is not the cheapest, but has provided good service in all my dealings with them over 40 years.

{
  "thread_title": "Need Advice RE: Homeowners Insurance Coverage",
  "scrape_method": "beautifulsoup"
}