Many people think you must have insurance on your home. The fact is, you don't.
If you do not have a loan (lucky!) then you can choose not to have insurance and to pay for all the repairs yourself or get a loan should the house get some serious damage or be destroyed.
If you have a lender, as do most of us, you will be required to get insurance or the lender will force place insurance to protect their interest in the property. I have yet to see a forced placed policy that is less than what a local agent can provide.
Keep your insurance up to date on your home. Open everything you get from your insurance company and call your agent or carrier if you don't understand it. Look at your renewal quote and check around. You may be able to save by switching carriers, changing your deductible, or adjusting coverages.
You can request a quote for homes in Southern California by clicking here.