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California Homeowners Insurance

Western Mutual Insurance Group offers industry standard coverage starting with our preferred homeowners’ protection. Through our reliable homeowners insurance you will have straightforward coverage that’s there when you need it.

Our Benefits

Our base homeowners’ insurance protection includes the following benefits:

  • Extended Replacement Cost (ERC), which increases your dwelling coverage by 150% for no additional cost. ERC safeguards against a higher than expected construction cost for damages to your dwelling structure.
  • Mortgage Payment Protection is built into our homeowners’ policy free of charge. This endorsement will help supplement your monthly mortgage up to $1,500 per month for a maximum total of $18,000 in the event your home is deemed uninhabitable past 45 days.
  • When applying for a California Homeowners Insurance quote online you will automatically qualify for our Web User Discount which provides 20% off first year’s premium and 10% off at renewal.

By choosing Western Mutual as your premium homeowners’ insurance carrier, you will also gain access to our wealth of other homeowners’ insurance products and services such as Earthquake, Flood, Landlord, and Seasonal, Insurance. For more details about any of our coverages please give us a call at 1-877-968-8825.

How Do We Decide Our Coverage?

The base Dwelling Structures coverage is based on:

  • Age of the Home
  • Size of the Home
  • Location of the Home

We gather and verify this information through public county records. If you notice a discrepancy between county records and your actual home please contact us at 1-877-968-8825. Our helpful insurance agents will work with you to make sure you have the proper coverage to suit your needs.

Homeowners

Homeowners

Start here to learn more about what a California homeowners’ insurance policy through Western Mutual can start doing for you. Whether you’re a new homeowner looking for the best rates with the best coverage or you’re looking to switch, our California homeowners’ policy can provide you with the most affordable, industry-standard coverage in the state.

Earthquake

Earthquake

Already have an extensive and affordable California homeowners’ insurance policy with us? Find out here how you can add more coverage for earthquake risk here all while keeping your primary homeowners’ insurance rates reasonable.

Condominium

Condominium

Looking for Condominium Insurance with quality coverage? Find out how to easily receive a quote in less than a minute.

Flood

Flood

Live in a flood zone that requires you to have flood insurance for your home or looking to secure extra coverage for additional protection? Visit our Flood Insurance page to find out how to incorporate Flood Insurance with your existing Homeowners’’ Insurance policy with us. Also, learn how you can switch your Homeowners’ policy to us while keeping a comparable Flood Insurance rate.

Landlord

Landlord

If you’re planning on or are already renting your house out to tenants, Western Mutual is here to provide you with top-notch protection for your investment property. We can advise you on how to add rental coverage in addition with your primary residence.

Seasonal

Seasonal

Planning on purchasing or switching insurers for your vacation home? Western Mutual offers the peace of mind that your seasonal home will have the protection you need.