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If you live in California - the sunshine state - or have a house there, you probably have you home owners insurance in order. Most people are concerned about what will happen if their home is damaged by fire, leaks, tornados or whatever that can possibly damage it. Unfortunately some people "forget" this important aspect of owning their own home. Although this represent a minority of home owners, we have too many examples of home or house owners that didn't had their insurance in a proper condition when the accident hit them. Such unfortunate and sad circumstances are complete unnecessary to get trapped into, if you do such a simple thing as take care of your insurance needs.

There is a large choice of homeowners insurance California has to offer. These, also known as home insurance, is an insurance policy that combines many personal insurance protections which may include any losses that may occur to one's home or any of its contents, loss of other personal possessions of the homeowner, additional living expenses or liability of any insurance policies that cover accidents that may occur at home. In most contracts however, damages due to natural calamities like earthquakes, floods etc or war are not covered.

There are different types of policies based on whether they cover a property for a fixed period of time, which is most common, or on a perpetual basis - these however are not available in all localities. Insurance companies arrive at a price for a homeowner's insurance policy by assessing the cost that would be incurred if the house in question had to be replaced and the number of additional household items that have been insured. Insurers also consider factors that increase safety of the locale in which the insured property is placed to reduce insurance premium.

The Statefarm homeowners insurance policy was introduced in 1955. It attained the status of the largest providers of homeowner policies in the country by the year 1964 and has been able to keep these numbers up ever since. They have a strong presence in California and their unique 'Good Neighbor Service' promises efficient handling of a claim request which they have proven this time and again having stood the test of time.

While offering a broad spectrum of protection, they also are available at reasonable rates and excel when it comes to delivering customer delight. Apart from home insurance, they also deal with auto insurance, renter's requirements, life and health insurance, business insurance etc among others.

About the Author

Ian Koch likes to write Homeowners Insurance Articles . You can go to best-cheapest-homeowners-insurance.com for more.