Updated
A California homeowners quote needs the address, the year built, the square footage, the roof year and material, updates to plumbing, electrical, and heating, the declarations page if a policy is already in force, claims from recent years, and the lender's name plus the closing date if you are buying. Each fact changes what a company can consider. The policy wording still controls the result.
Home quote callback. Leave a name and a phone number. A licensed agent at Insurance City Agency, LLC, CA Lic #6003045, will call about the papers for a California homeowners quote. Or call 209-670-1556.
A declarations page is the front sheet of the policy. The Department of Insurance residential guide describes it as the page with the company's legal name, your name and address, the policy number, the effective and expiration dates, the limits, the covered property, the deductibles, and any lienholder. That sheet is how a new quote is lined up against what you already have.
With a policy, the sheet shows the form, dwelling limit, and mortgagee. Without one, send the purchase file. The guide says the dwelling limit is rebuild cost, not land, and each company uses its own formula.
The address is the location the company is asked to insure. It is how a file is placed, including wildfire risk. The Department's Safer from Wildfires FAQ says companies typically assign a wildfire risk score and, under the regulation, must give you that score when you apply, with an explanation of the score. Send the full street address, not a neighborhood nickname.
The same FAQ is here: Safer from Wildfires FAQ. If the house is in escrow, use the address on the purchase contract. Closing steps are on the escrow and closing page.
Year built and square footage are facts in the rebuild picture the residential guide describes. The guide says companies use their own formulas for replacement cost, and that you should know the construction type and special features. Roof year and material tell the company what is on the building now, including whether the roof is a Class-A material.
The Safer from Wildfires page says a Class-A roof includes asphalt shingles, concrete, brick or masonry tile, and metal, and that wood shake is not Class-A. Find the year built and the living area on the appraisal or the county assessor record. Find the roof on the inspection, a roofing receipt, or the seller's disclosure. Those three facts travel together. Which form the house should be on, HO-3 or something else, is the HO-3 and HO-5 page.
Updates matter because they change the building a company is asked to insure and the rebuild story the guide tells you to document. The residential guide says to keep records of updates and renovations and to tell the agent, in writing, when modifications change what it would cost to rebuild. Plumbing, electrical, and heating invoices and permits are that record.
There is no single statewide birthday for those systems on the Department's consumer guide. Send the dates you have. A whole-house rewire, a replaced sewer line, and a furnace installed last spring are different facts from "original." If you do not know the year, say so. A guess presented as a record slows the file.
If you are in escrow, add the closing date and the lender's name to the same stack. The lender is the lienholder the declarations page will name, and the escrow officer needs evidence of insurance by the date in the purchase contract. Start when the offer is accepted. The inspection can change the roof story and the update list.
Collect the year built and the roof before the week of closing. They are in the inspection and the appraisal. Binder, evidence, and lender instructions are on the escrow page.
Bring the declarations page so the new quote can be set next to the limits, deductibles, and mortgagee already in force. A quote with no current sheet is a guess at what you have now. The form number on that sheet also tells us whether you are on an HO-3, an HO-5, an HO-6, or a dwelling form.
Add claims you have filed, with the year and the cause if you remember them. Companies ask about prior losses when they underwrite. A loss-history sheet from the current company is useful. The form page explains what those form numbers usually mean. Settlement words on the declarations, replacement cost or actual cash value, are explained on the replacement-cost page.
Say so, and send the notice or the FAIR Plan declarations with the rest of the stack. The date on the notice and whether that policy is the one in force are the facts a new file needs. The nonrenewal guide and the FAIR Plan guide are the pages for what those programs are. This checklist is the paper to attach.
Read homeowners insurance after a nonrenewal and the California FAIR Plan guide for those paths. If you also finished wildfire work on the house, keep the proof with this file. The next section is that proof.
Have photos, invoices, or an inspection for the steps you finished. The Department's Safer from Wildfires FAQ says that after you complete a mitigation action you may need to provide proof, or an inspection may be required. The Safer from Wildfires page says each action under that framework qualifies for an insurance discount. Each company files its own discount with the Department.
The page groups the work in three layers: the structure, the immediate surroundings, and the community. The structure list includes a Class-A roof, a five-foot ember-resistant zone, ember-resistant vents, a noncombustible strip at the base of exterior walls, enclosed eaves, and multi-paned windows. Surroundings include cleared material under decks and sheds moved away from the house. Community includes Firewise USA and Fire Risk Reduction Communities.
A licensed agent calls the number you leave after the file arrives. How long that takes depends on the house and on what is missing. A complete address, roof note, and declarations page, when you have one, is the part you control. Insurance City Agency, LLC, CA Lic #6003045, does that call at 209-670-1556 from Stockton, San Jose, and San Rafael, and for homes elsewhere in California.
Use one row per fact you are about to send. The middle column is where people usually find that paper. The last column is why the homeowners quote changes when the fact changes, before anyone talks about a limit on the house.
| Document | Where it usually is | Why it matters |
|---|---|---|
| Property address | Purchase contract, deed, or tax bill | Location, including the wildfire risk score the Department's FAQ says companies provide when you apply |
| Year built and square footage | Appraisal or county assessor record | Facts in the rebuild picture. The residential guide says each company uses its own formula |
| Roof year and material | Inspection, roofing receipt, or seller disclosure | Class-A materials versus wood shake, as the Safer from Wildfires page describes them |
| Plumbing, electrical, and heating updates | Permits and invoices | The update record the guide says to keep when rebuild cost changes |
| Declarations page | The current policy packet | Form, limits, deductibles, and any lienholder already on the policy |
| Claims | A loss-history sheet, or your own list with year and cause | Prior losses are part of what a company asks when it underwrites |
| Mortgagee and closing date | Lender instructions and the purchase contract | Who must be named, and the date escrow is working toward |
Put the papers in one place, then start the homeowners quote, the callback form, or a call. A licensed agent at 209-670-1556 follows up on what the stack does not answer. You do not need every invoice on the first call. You do need the address and an honest note about the roof.
One stack. The address, the roof, and the declarations or the purchase contract are the pieces that let a quote start. A missing date can be answered on the callback. A wrong address cannot.
Stack ready? Leave a number. Insurance City Agency, LLC, CA Lic #6003045, will call about the homeowners quote. Or call 209-670-1556.
Qué necesito para cotizar aseguranza de casa, y los papeles para cotizar seguro de casa en California.
Sources, October 22, 2026: CDI Residential Insurance guide; Safer from Wildfires; Safer from Wildfires FAQ.
Call 209-670-1556 or send the callback form on this page with the address, the roof year, and the declarations or the closing date. Insurance City Agency, LLC, CA Lic #6003045, uses that stack to start the homeowners quote in California.
Ask EnzaAnswers · 24/7