About Us Insurance Lines Agents & Brokers Report a Claim Make a Payment Contact UsNews 1-209-948-8191 PERSONAL LINES PRODUCTS HOMEOWNERS POLICY This homeowners policy provides coverage for most causes of direct physical loss. It is extremely important that homeowners know the replacement value of their home and insure their homes for that value. An insured may elect either actual cash value or replacement cost coverage for personal property. An insured may elect either actual cash value or replacement cost coverage for personal property. This homeowners policy has two sections of coverage: 1. Section I provides property coverage for Scheduled dwellings Insured’s personal belongings Most unattached structures Expenses that the insured may incur because of the loss of use of the dwelling at the time of a covered loss 2. Section II provides liability coverage for Bodily injury and property damage caused by a covered occurrence including law suits brought against the insured by a third party Some medical payments to others while on the insured’s property or as a result of the insured’s personal activities < BACK About Us Our Team Our Heritage Career Opportunities Privacy Statement States of Operation Insurance Lines Commercial Lines Personal Lines Professional Lines Tools & Resources Claims & Payments Report a Claim Make a Payment Contact Us 1-209-948-8191 More Information © 2016 – 2021 Golden Bear Insurance Company. Site MapCCPA Privacy StatementTerms of UsePayment Refund & Cancellation Policy

About Us Insurance Lines Agents & Brokers Report a Claim Make a Payment Contact UsNews 1-209-948-8191 PERSONAL LINES PRODUCTS RENTERS POLICY This renters policy provides financial protection against the loss or destruction of an insured’s possessions when he or she rents a house or apartment. Renters insurance is tailored to address the needs of a renter. These needs, naturally, differ from those of a dwelling or condominium unit owner who insure the real property. In the event of loss, the owner’s policy will not cover a renter’s belongings, but a renters insurance policy will. Like the homeowners and the condominium policies, the renters policy is a package policy. It provides coverage for household items in the event of fire, theft or other covered losses, and includes personal liability protection. < BACK About Us Our Team Our Heritage Career Opportunities Privacy Statement States of Operation Insurance Lines Commercial Lines Personal Lines Professional Lines Tools & Resources Claims & Payments Report a Claim Make a Payment Contact Us 1-209-948-8191 More Information © 2016 – 2021 Golden Bear Insurance Company. Site MapCCPA Privacy StatementTerms of UsePayment Refund & Cancellation Policy