Nadler Insurance

Homeowners Insurance

Your home is likely your biggest investment. We make sure it's protected — from the structure to your belongings to your liability.

What Homeowners Insurance Covers

Dwelling Coverage

Covers the structure of your home — walls, roof, foundation, and attached structures like a garage. Pays to rebuild or repair after covered losses like fire, wind, or vandalism.

Other Structures

Covers detached structures on your property — fences, sheds, detached garages, and guest houses. Usually 10% of your dwelling coverage.

Personal Property

Covers your belongings — furniture, clothing, electronics, and more. Protects your stuff whether it's at home, in your car, or even while traveling.

Liability Protection

Covers you if someone is injured on your property or if you accidentally damage someone else's property. Also covers legal defense costs.

Loss of Use

Pays for additional living expenses if your home is uninhabitable after a covered loss. Covers hotel stays, restaurant meals, and other temporary costs.

Medical Payments

Covers minor injuries to guests on your property, regardless of fault. Helps avoid lawsuits by paying medical bills quickly.

Why Get Home Insurance Through Nadler?

  • California expertise. We understand the unique risks Bay Area homeowners face — from wildfires to the California FAIR Plan.
  • Accurate coverage. We use detailed replacement cost estimators to ensure your home is properly insured.
  • Claims support. When disaster strikes, we're in your corner — helping you navigate the claims process.

Frequently Asked Questions

How much homeowners insurance do I need?
Your dwelling coverage should be enough to rebuild your home from the ground up at current construction costs — not your purchase price or market value. We use replacement cost estimators and work with you to ensure you're not under- or over-insured.
What's not covered by homeowners insurance?
Standard homeowners policies don't cover earthquake, flood, or normal wear and tear. In California, earthquake coverage requires a separate policy (often through CEA or a private carrier). Flood insurance is available through FEMA's NFIP or private insurers.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to replace or repair your property at today's prices, without deducting for depreciation. Actual cash value (ACV) deducts depreciation, so you get less. We recommend replacement cost coverage for both your home and belongings.
How can I lower my homeowners insurance premium?
Bundle with auto insurance, increase your deductible, install security systems or smoke detectors, maintain a good credit score, and ask about discounts. As independent brokers, we compare rates across carriers to find you the best deal.
What happens if I make a claim?
Contact your carrier or call us first at 650-508-8000. An adjuster will assess the damage. Document everything with photos and receipts. We'll guide you through the process and advocate on your behalf to ensure fair treatment.
Growing Up Covered

Free Guides & Checklists

Practical resources to help you understand your coverage.

What's Actually in Your Insurance Declaration Page (And Why It Matters)

A clear guide to what’s on an insurance declarations page, the 10 items to check (limits, deductibles, endorsements, listed properties/vehicles, lienholders), and why a quick dec page review prevents the most common coverage misunderstandings.

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Earthquake Insurance in California: What It Costs, How It Works, and How to Decide

A candid, education-first guide to earthquake insurance in California covering the history of the CEA, how the 15% deductible actually works in practice, the premium-to-deductible math most people don't think through, retrofit options, and a framework for making the intentional decision that's right for your household.

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California Homeowner's Insurance Checklist

A simple California homeowners insurance checklist that walks you through reading the dec page, checking dwelling and personal property limits, liability and umbrella, key exclusions like flood and earthquake, and the fastest ways to avoid coverage surprises.

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View all guides →

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