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Home insurance in Chico, CA
Home Insurance

Home insurance that holds up when it matters most

Strong coverage for Northern California homeowners

A homeowners policy is one of the most important financial protections you can have — and in Northern California, where wildfire risk is real, it pays to get it right. Kevin Baker Insurance Agency helps Chico-area homeowners build policies that cover the structure, the contents, and the liability exposures that come with owning property.

We'll review your coverage with you annually to make sure it still reflects your home's value and your family's needs.

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Home covered in every season

What your homeowners policy covers

A standard homeowners policy protects your dwelling, personal property, and liability. We'll help you understand the limits, the exclusions, and what endorsements make sense for your property in Northern California.

  • Dwelling Coverage
  • Personal Property
  • Liability Protection
  • Additional Living Expenses
  • Other Structures
  • Medical Payments
FAQ

Frequently Asked Questions

Does homeowners insurance cover wildfire damage in California?
Standard homeowners policies typically cover fire damage, including wildfire, to your dwelling and personal property. However, coverage availability has changed significantly in high-risk areas of California — some carriers have limited or non-renewed policies in certain ZIP codes. We'll review your specific situation and help you understand your current coverage and options.
How much homeowners insurance do I actually need?
You need enough dwelling coverage to rebuild your home at current construction costs — not its market value. These can be very different numbers, especially in California. We'll help you calculate an accurate replacement cost estimate so you're not underinsured when it matters most.
What does homeowners insurance not cover?
Standard homeowners policies exclude flood damage (requires a separate flood policy), earthquakes (requires a separate earthquake endorsement or policy), normal wear and tear, and intentional damage. In California specifically, earthquake insurance is worth discussing given the state's seismic risk.
Should I bundle my home and auto insurance?
Multi-policy bundling almost always results in a discount on both policies and simplifies your coverage review. We'll show you what bundling saves and whether it makes sense for your situation.
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Trusted by homeowners across Chico and Northern California

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