Homeowners Insurance in California — Based in Rocklin & San Mateo, Serving the Bay Area
Reliable protection for homes in wildfire zones, high-risk areas, and across the San Francisco Bay Area.
From our offices in Rocklin and San Mateo, Schenone Insurance helps California homeowners secure dependable, affordable coverage — even when others won’t insure you.
Why Homeowners Insurance Matters in California
Whether you live in Rocklin, San Mateo, San Jose, the Bay Area or anywhere across California, your home faces serious risks - from wildfire and storm damage to liability claims and insurance cancellations.
At Schenone Insurance, we help you:
- Replace canceled or dropped policies — even in wildfire-prone zones
- Combine California FAIR Plan with supplemental coverage
- Bundle home and auto insurance for better rates
- Protect single-family homes, condos, rentals, and second properties
What Does Homeowners Insurance Cover?
Dwelling Protection
Coverage for your home’s structure against fire, storms, vandalism, and more.
Personal Property
Protects your belongings — including furniture, electronics, and clothing — from theft, fire, or damage.
Liability Coverage
Covers legal or medical costs if someone is injured on your property or you are held responsible for property damage.
Loss of Use (Additional Living Expenses)
Pays for temporary housing, meals, and other living costs if your home becomes uninhabitable during repairs.
Wildfire and FAIR Plan Options
We help homeowners in high-risk fire zones access FAIR Plan fire insurance with additional supplemental policies for full coverage.
Why Choose Schenone Insurance?
Local Experts. Independent Advice. Decades of Experience.
- with offices in Rocklin and San Mateo, serving clients throughout the Bay Area and Northern California
- Over 40 years of experience helping Californians protect their homes
- Specialists in wildfire coverage and California FAIR Plan solutions
- Independent brokers who shop multiple carriers for the best fit
- Personalized service from local licensed advisors who know your area and risks
Who Needs Homeowners Insurance in California?
Homeowners insurance is required by lenders and essential for protecting your investment.
You especially need expert help if:
- Your current carrier canceled or declined your coverage
- You live in a wildfire-prone area or other high-risk zone
- You own a condo, rental, or vacation homed more
- Your home is older or has non-standard construction
California Homeowners Insurance FAQs
What does the California FAIR Plan cover?
Basic fire protection for high-risk properties. We help you combine it with comprehensive supplemental policies.
Can I bundle home and auto insurance?
Yes. Bundling can save you money and simplify your coverage. We compare bundle discounts across our carriers.
What if my policy was canceled?
We can help you find new coverage fast — through FAIR Plan or private carriers — so you don’t have a lapse.
Do you only serve Rocklin and San Mateo?
No. We serve homeowners across Northern California, including Palo Alto, Oakland, Roseville, and surrounding areas.
Let's Talk insurance!
Protect Your California Home with Schenone Insurance
Whether you're in Rocklin, San Mateo, or anywhere in the Bay Area, our experienced team will help you find the right homeowners insurance coverage — with personal attention and top-rated carriers.