Homeowners Insurance 

Homeowners Insurance for Los Angeles Homes, Condos & Townhouses

From the hills of Silver Lake to the neighborhoods of Brentwood, owning a home in Los Angeles comes with both pride and risk. Whether you're protecting a single-family home, a condo, or a high-value property near the coast, having the right homeowners insurance in Los Angeles matters more than ever.


At Derian Insurance, we’ve been helping California families protect their homes since 1969. We work with top carriers to find the right policy for your property, your lifestyle, and your peace of mind—no sales pressure, just expert guidance and local insight.

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Coverage That Fits the Way You Live

A standard home insurance policy in California—commonly an HO3—offers broad coverage for many of the most common risks homeowners face. We’ll help you understand the details, and tailor the coverage to fit your specific needs.


Most home policies include:

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Dwelling coverage

pays to repair or rebuild the structure of your home

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Personal property

covers your belongings like furniture, clothing, and electronics

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Liability protection

in case someone is hurt on your property or you accidentally cause damage elsewhere

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Loss of use

helps with living expenses if you can’t stay in your home during covered repairs

Depending on your location, lender, or property type, we may also recommend:

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Scheduled valuables coverage (for jewelry, fine art, or collectibles)

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Sewer or water backup coverage

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Separate earthquake insurance through the California Earthquake Authority

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Fire insurance endorsements, especially near brush zones or fire-prone areas

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Personal umbrella insurance for extended liability protection

We’ll make sure nothing is overlooked—especially in higher-risk ZIP codes like those near the Hollywood Hills, Topanga Canyon, or other wildfire-adjacent zones.

Why Homeowners Across LA Choose Derian Insurance

Unlike a call center or captive agent, we’re an independent, family-run agency that puts service first. We live here, we know the market, and we understand the challenges California homeowners face.



Here’s how we help:

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Advice from real people

we don’t push one-size-fits-all policies; we explain your options in plain language

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Proper replacement cost estimates

not just your home’s market value, but what it would actually cost to rebuild

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Access to multiple carriers

so we can compare quotes and find competitive pricing, even in areas where some insurers have pulled out

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Discounts for alarm systems, sprinklers, multi-policy bundling, and more

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Support through claims

if something goes wrong, you won’t be stuck navigating it alone

We serve homeowners across Los Angeles County, including West LA, Glendale, Pasadena, Santa Monica, Long Beach, and the surrounding areas.

FAQs – California Home Insurance

  • What factors affect homeowners insurance cost in Los Angeles?

    Home insurance pricing in LA depends on the location, building materials, age of the home, proximity to brush zones or fire stations, your insurance history, and the coverage levels you choose.

  • Are earthquakes or floods covered by standard home insurance?

    No. Earthquake and flood coverage are excluded from standard homeowners policies. We can help you add a separate earthquake policy and advise on flood coverage through FEMA or private markets.

  • How much home insurance do I need?

    We recommend coverage based on replacement cost, not market value. That means enough to rebuild your home completely, including materials and labor. We help calculate this using industry tools.

  • Can I get discounts for having security or safety systems?

    Yes. Many carriers offer discounts for monitored alarm systems, fire sprinklers, smoke detectors, and more. We’ll make sure you get credit for every eligible device.

  • What’s the difference between market value and replacement cost?

    Market value includes land and is influenced by real estate conditions. Replacement cost only considers the price to rebuild your home as it stands today. It’s what insurance uses to determine your dwelling limit.

Let’s Make Sure Your Home Is Fully Protected

Your home is likely your biggest asset. Whether you're a first-time buyer in Echo Park or a longtime homeowner in Brentwood, Derian Insurance is here to help you protect what matters most.



Get a quote or request a review today—our team is ready to help you compare rates, understand coverage, and find a policy that truly fits.