CSE Homeowners Insurance

Owning a home is not only an accomplishment to be proud of, it’s likely your biggest investment and where your heart is. We’re here to protect what you’ve worked so hard to build.

CSE’s Homeowners Insurance offers comprehensive coverages to protect your home, belongings, and separate structures (such as a detached garage) against everyday risks. We also offer a number of discounts to help keep your protection affordable and secure your peace of mind.

What does CSE’s Homeowners Insurance include?

Dwelling & Other Structures

Covers damage to your home and other attached or unattached structures from fire, lightning, water, wind, or other similar perils.

Contents Coverage

Covers your furniture, clothing, and other items in the event of a fire, theft, or other covered loss.

Additional Living Expenses

Covers any additional living expenses you incur if your home becomes uninhabitable due to a covered loss.

Liability Protection

Protects you in case you are legally liable for any bodily injury or property damage caused to others.

Sewers & Drains Back-up Coverage

Covers for loss caused by water back-up in sewers or drains.

Medical Protection

Covers medical expenses for your guests if they are accidentally injured on your property.

Ordinance or Law

Covers the cost incurred to rebuild your house to current building codes after a covered loss.

Optional Enhancements to Your Policy

Protect your home even further with these NEW CSE Coverages!

Extended Replacement Cost

Provides additional coverage up to 175% of your home policy limits to rebuild your home in the event of a covered loss.

Contents All Risk Coverage

Covers your personal items against all the perils not listed in the basic policy, such as mysterious disappearance or accidental breakage.

Valuables Coverage

Provides additional coverage for specific high-value items such as jewelry, antiques, bicycles, and fine art.

Identity Recovery Coverage

Pays for expenses you incur as a direct result of an identity theft.

Equipment Breakdown Coverage

Covers your major household appliances against an unexpected mechanical or electrical breakdown not caused by normal wear and tear or corrosion.

Service Line Coverage

Covers the major service lines that connect to your home, such as gas line, power line, sewer line, and water line, against a service line failure.

Earthquake Coverage — for California

Earthquakes are one of California property owners’ most costly risks and are not covered under a typical Homeowners policy. You can add this earthquake coverage to protect your property and your peace of mind. Earthquake insurance provides coverage for your damaged structure, as well as loss of personal possessions and loss assessments. Coverage for swimming pools is also available, and a multi-policy discount can apply.

Three coverage options are available to choose from so you can tailor a policy that meets your needs AND your budget. Deductibles are as low as 10%!

Discounts Overview

Multi-Policy Discount
You could save up to 15% when you insure your automobile with CSE or 17% when you insure your auto and umbrella insurance with us.
Burglar Alarm or Fire Protection System Discount
Save up to 18% if you have a burglar alarm or fire protection system, including fire sprinklers.
Civil Service Discount
Save  10% on your home insurance with CSE as an employed or retired civil servant professional.
New Home Credit
Homes less than 15 years old are eligible for a credit with CSE.

Our priority is to give you the highest feeling of security when it comes to your house. We achieve this through our strong legacy and reputation for prompt, fair, and hassle-free claims payments.

We take pride in helping you plan for the unexpected. It’s that simple.

Your local and knowledgeable CSE Independent Agent will help customize a homeowners insurance package for you with the coverages that fit you best at the right price.