Auto and Home Insurance | California Casualty (2024)

FAQs

Does California Casualty cover homeowners insurance? ›

For decades, California Casualty has been designing policies that benefit our society's most trusted employees. We go further to provide them with affordable auto, rental and homeowners insurance rates that provide just as much value to them as they do to our communities.

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Intentional acts: Casualty insurance typically excludes coverage for damages or injuries caused intentionally by the policyholder or covered individuals. Employee dishonesty: Casualty insurance may exclude coverage for losses due to dishonest acts of employees, such as theft or embezzlement.

Property insurance helps cover stuff you own like your home or your car. Casualty insurance means that the policy includes liability coverage to help protect you if you're found legally responsible for an accident that causes injuries to another person or damage to another person's belongings.

Casualty insurance refers to insurance that covers the legal responsibility of individuals and businesses for losses stemming from damage to another's property or an injury to another person. This protection addresses the financial liability that a business or an individual may be legally required to satisfy.

With 3.2/5 stars in 2024, California Casualty is a decent insurance company. Read California Casualty reviews, complaints and prices before you buy.

Our home office is located in San Mateo, California.

Towing Coverage

Pays for towing a covered motor vehicle to the nearest place of repair from the place of disablement.

Windshield Repair and Replacement

Chips and cracks caused by road debris or weather conditions can become larger cracks and potentially interfere with your line of sight. If you have comprehensive coverage on your auto policy, your windshield repair or replacement is covered.

Life insurance may not cover death from fraud, illegal activity or an undisclosed pre-existing condition.

What types of procedures usually are not covered by insurance? ›

Standard homeowners insurance does NOT cover damage caused by flooding, earthquakes, termites, mold, or normal wear and tear.

Casualty insurance doesn't directly cover the policyholder's property. For example, auto insurance, which includes both property and casualty coverage, can cover what the insured driver is liable for in an accident, subject to each state's at-fault or no-fault laws.

If you're responsible for someone else's property damage or bodily injuries, the casualty insurance portion of your policy compensates the person making the claim against you. It also covers your legal fees, court costs and settlements if you get sued.

Property and casualty insurance is a term describing two forms of broad coverage that financially protect you if the property you own is damaged, lost or stolen (representing the “property” portion of the phrase) or if you cause injury to another person or damage to their property (the “casualty” portion).

Standard homeowners insurance does NOT cover damage caused by flooding, earthquakes, termites, mold, or normal wear and tear.

For instance, homeowner insurance can cover the medical expenses of injured workers who don't enjoy protection under state workers' compensation regulations. Some homeowner's insurance policies mention that they offer protection to domestic workers; however, it is limited to those who work less than 40 hours per week.

Homeowners insurance is one type of property and casualty product, as is renters insurance, auto insurance, and powersports insurance.

How much is homeowners insurance in California? The average cost of homeowners insurance in California is $1,383 per year, or roughly $115 a month, for an insurance policy with $300,000 in dwelling coverage.