California E&S Insurance

Closing today on my first place. Closing today on a 5bd 3ba in Southern California. It was a wild rollercoaster emotionally (sure there will be more). I think I did good on the rate and didn’t have to buy any points. This included a 75k (10%) down payment. Question for those people smarter than me. My lender provides fire, wind, earthquake, and flood insurance that I need to use (very reasonably priced at 200$ a month). Do I just need to get liability and personal property insurance now? Thank you for all the advice in the group, others don’t get discouraged it is rough out there. I looked at over 60 homes and put in 12 offers before this got accepted.

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  "title": "Closing today on my first place. ",
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