Owning a home in California comes with more than beautiful views and great weather — it also brings exposure to earthquakes, wildfires, and a rapidly changing insurance landscape. If you're a homeowner in San Diego or Chula Vista, having the right home insurance coverage isn’t just a formality — it’s a necessity.

At Preferred Property & Casualty Insurance Agency Inc., we help individuals and families protect what matters most with tailored policies that reflect California’s unique risks — and your personal needs.

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Why Standard Home Insurance Isn’t Always Enough

Homeowners often assume their policy covers everything — but in reality, many standard homeowners insurance plans in California fall short in critical areas.

Here’s what every homeowner should understand:

1. Earthquakes Are Not Covered by Default

Earthquake damage isn’t included in most standard policies. In California, where seismic activity is common, a standalone earthquake insurance policy or DIC (difference in conditions) coverage is essential.

2. Wildfire Risk Can Limit Availability

Some carriers are pulling out of high-risk wildfire zones. Our agency works with multiple insurers and can help you find options even if you're in a restricted area.

3. High-Value Homes Need More Than a Standard Policy

If your home’s value exceeds standard policy limits, we can build custom coverage that protects your property, contents, and liability fully — especially important in upscale San Diego and Chula Vista neighborhoods.

4. Vacant or Secondary Homes May Be Excluded

If your home is unoccupied or used seasonally, standard policies may not apply. We provide vacant home insurance and secondary residence policies tailored to your property usage.

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Long-Term Protection Starts with the Right Partner

At PPACIA, we don’t sell cookie-cutter policies — we craft protection plans around you. Whether you’re buying your first home, upgrading, or maintaining a long-held family property, our local agents walk you through every step.

You get:

• Responsive Claims Support
• Bundled Policy Discounts (Home + Auto + Umbrella)
• Guidance on Earthquake, Flood, or Fire Risks
• Annual Policy Reviews to Keep You Protected

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FAQs for California Homeowners

Do I really need earthquake insurance in San Diego or Chula Vista?
Yes. Southern California sits near active faults. Damage from earthquakes isn’t covered in standard home policies.

Can I bundle my home and auto insurance?
Absolutely. Bundling often reduces premiums and simplifies your coverage with one insurer.

What’s the difference between homeowners insurance and condo insurance?
Homeowners insurance covers the entire structure and property. Condo policies (HO‑6) cover interiors and personal property, with the building insured by the HOA.

Will I be dropped for living in a wildfire zone?
Not necessarily. We work with insurers that specialize in high-risk areas and can help you maintain coverage.

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Why Choose Preferred Property & Casualty

• Local Expertise — We live and work in the communities we serve
• Carrier Access — Multiple options for tailored protection
• Personal Support — Real people, real guidance, no call centers
• 25+ Years Serving San Diego & Chula Vista Families

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Let’s Make Sure Your Home Is Fully Covered

Don’t wait until disaster strikes to find out your policy has gaps. Request a Home Insurance Review by calling us at: 760-480-9900

Serving San Diego, Chula Vista, and homeowners throughout California.