California HO-3 items to verify
- Owner-occupied status and replacement-cost assumptions for the dwelling.
- Recent updates, permits, and occupancy details.
- For California wildfire exposure, document roof material, brush clearance, access roads, and defensible-space work.
- Earthquake coverage in California is usually a separate policy or endorsement path, not a default HO-3 assumption.
- Personal property, liability, and loss-of-use limits.
Owner-occupied quote review
| Question | Why it matters |
|---|---|
| Does the quote include replacement cost? | ACV on the roof or contents can make a lower premium less useful. |
| Which deductible applies to the likely peril? | The California risk mix should be checked against the deductible page. |
| Are ordinance or service-line endorsements included? | Older homes may need optional wording. |
| Is the insured name correct? | Trust, estate, or co-owner situations can affect evidence of coverage. |
Practical note
For a California HO-3 quote, compare the policy form, deductible wording, and endorsement list before comparing only the premium.