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Protect Your Home. Safeguard Your Investment.
Home Insurance in San Diego & Chula Vista
Your home is one of your most valuable assets — and unexpected damage or liability can cost more than you think. Home Insurance helps protect your house, belongings, and future with coverage tailored to your property and lifestyle. With 25+ years of experience, Preferred Property & Casualty delivers smart, local solutions for California homeowners.
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What’s Covered
Trusted by Homeowners Across California
Dwelling Protection
Covers the structure of your home against fire, wind, vandalism, and other covered perils — so you’re not paying out of pocket for repairs or rebuilds.
Personal Property Coverage
Protects the belongings inside your home — furniture, clothing, electronics, valuables — whether damage happens at home or away.
Liability Insurance
Provides financial protection if someone is injured on your property or if you’re held responsible for accidental damage to others.
Loss of Use / Additional Living Expenses
Helps cover hotel stays, meals, and temporary housing if your home becomes uninhabitable due to a covered claim.
Optional Enhancements
We offer additional coverage for things like jewelry, fine art, wine collections, water backup, off-premises theft, and more — tailored to your property and lifestyle.
Built for California Homes and Families
Smart Protection for What Matters Most
From single-family homes to high-value residences and second properties, we help ensure your coverage actually reflects what you own and how you live.
Personalized Policies, Not Cookie-Cutter Coverage
Every home is different — and your insurance should be too. We’ll guide you through options that fit your specific needs, not just standard minimums.
Local Experts. Top Carriers. Real Answers.
Work with a local agency that understands California’s housing market, wildfire zones, flood risks, and coverage requirements.
Common Questions
Is homeowners insurance required by law?
No, but mortgage lenders require it. Even if you own your home outright, coverage is highly recommended to protect your investment.
How much home insurance do I need?
Enough to fully rebuild your home and replace your belongings — we’ll help you calculate an accurate amount.
Does home insurance cover floods or earthquakes?
Standard policies don’t. We offer add-ons or separate policies for those risks based on your location and exposure.
Let’s Get You Covered
We make home insurance simple, smart, and personalized — so you can focus on enjoying your home, not worrying about it.
Based in San Diego and proudly serving clients throughout Chula Vista and across California. We’re also licensed to support homeowners in Oregon and Washington.
