Home Owners insurance is a package policy that covers both damage to your property and your liability or legal responsibility for any infuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most losses is covered but there are exclusions. The most significant are damage caused by floods, earthquakes. Maintenance-related problems are the homeowners’ responsibility. No two homes are exactly alike. Buying a policy "off the shelf " without a plan can result in a difference between what you need and what you’re paying for. Your homeowner’s policy should reflect the uniqueness of your home and your lifestyle.
Whether you own a house, a condominium or rent an apartment, for most people their home is their most important investment. We believe that an insurance company should do more than pay for financial losses incurred in the home: It should help prevent losses and accidents, and offer policies flexible enough to meet your individual needs. Above all, provide you with the security that comes only from the knowledge that your home is safe.
For this reason the companies we represent continue to receive the highest ratings from the insurance industry's leading analysts and rating authorities.We at BIFS understand the insurance threats of California. How? Because we live in California! We’re not a nationwide insurance carrier that doesn’t face the same risks that you face — We’re a local, independent agent that lives within your community.