California Home and Fire Insurance For Older Homes

California Home and Fire Insurance For Older Homes  Are you being refused home or fire insurance coverage because you have an older home?  Einhorn Insurance offers affordable California Home and Fire Insurance For Older Homes.   To qualify, homes may be a historic dwelling or just built a long time ago.

With the recent wild fires and increase in water damage claims, home insurance carriers are reevaluating which homes they want to insure.  When it comes to older homes, most insurance companies charge higher rates or just decline coverage.


At Einhorn Insurance, we know that just because your home is “older,” that doesn’t mean it’s not in good condition.  Some of the most beautiful homes are built in the early 1900s and are the historic dwellings that make our California cities ooze with charm and heritage.


Whether you have an adorable Victorian, a Spanish Villa/Bungalow or a restored Farmhouse, we can assist you with California Home and Fire Insurance For Older Homes.


We recently purchased a home built in 1901 and love its “historic flavor”.  Often, those who purchase older homes respect the property’s charm and make an extra effort to preserve and maintain the home’s originality.


When insuring older homes, Einhorn Insurance understands the unique insurance needs.  If available, we provide extra coverage for building code upgrades and make sure your plaster walls and original wood floors are covered.


Our policies consist of 3 main coverages:


  1. DWELLING provides coverage to rebuild your home. Other Structures coverage consists of structures on your property that are not attached to the main structure (pool, fence, retaining walls, sheds, granny flat, detached garage, etc.)


  1. LIABILITY provides 24 hour coverage for the household’s unintentional actions both at and away from home.


  1. PERSONAL PROPERTY provides coverage for your personal belongings. Think of personal property as anything you would pack up and take with you if you moved (clothes, furniture, kitchen items, sporting goods, electronics, rugs, tools, etc.).


Whether you are trying to close escrow or you’ve been dropped by your current insurance carrier, Einhorn Insurance can help.  Our goal is to make sure your home and family have the proper protection.


For more information or for an estimate on California Home and Fire Insurance For Older Homes, please visit , call 858-336-4644 or email us at


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