Home Insurance

 

Your home, fully protected

Whether you own or rent, your home is your sanctuary. Protect it from the unexpected with affordable, flexible insurance options through Southland Credit Union and InsureOne.

Protect your home now

Finding home insurance in California

Finding homeowners insurance in California can be challenging due to wildfire risks and market changes, but with the right approach, you can still secure reliable coverage. Start by understanding your property’s risk factors and exploring ways to protect your home—like fire-resistant upgrades or defensible landscaping.

If traditional insurers won’t cover your area, you may qualify for the California FAIR Plan, which offers basic fire insurance that can be paired with supplemental coverage. To save on premiums, consider bundling policies, raising your deductible and automating payments. Working with an experienced agent can also help you find the best options and stay protected, no matter where you live in California.

 

Coverage options

  • Homeowners Insurance
  • Renters Insurance
  • Landlord Insurance
  • Flood Insurance
  • Umbrella/Excess Liability Insurance
  • Jewelry/Fine Arts/Valuables
 

Ways to save

  • Bundle your home and auto insurance for bigger savings.
  • Enhance your home’s safety.
  • Opt for a higher deductible to reduce your monthly rate.
  • Loyalty discounts available for long-term policyholders.


Frequently asked questions

Even if your landlord doesn’t require it, renters insurance protects you and your belongings. It’s a good idea to evaluate your possessions and think about what it would cost to replace them. 
Yes! It can cover stolen belongings both inside and outside your rental. 
If you have a mortgage, your lender likely requires it. Even if not required, it's important protection for your biggest investment.
If your policy covers less than 80% of your home’s replacement cost, your insurer may reduce the payout on a claim. For example, if your home costs $500,000 to replace, you should have at least $400,000 in coverage. If you’re underinsured, you’ll only receive a partial payout. Be sure to update your coverage if you make improvements to your home.

Insurance products offered through InsureOne Insurance Services America, LLC and its affiliated companies identified on https://www.insureone.com/affiliate-disclosure/.  Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by Southland Credit Union or any affiliated entities. Insurance products not available in all states. Actual policy premium may vary based on driving records, garaging address, vehicle type, insurance coverage selected, and other underwriting factors. Other rates, service fees, restrictions, and charges may apply.