"You" = named insured + resident spouse; registered domestic partner = spouse (§381.5).

Relatives must live in the household to be insureds.

Students away at school: under 24 and a relative, or under 21 and in an insured's care.

Residence premises: 1–4 family dwelling where the named insured lives.

Insured location includes vacant land, but not farm land.

Residence employee = household worker of an insured, not a temporary substitute.

HO-3: open perils on the dwelling, named perils on contents.

HO-5 = open perils on both; HO-2 = named perils on both.

HO-4 renter, HO-6 condo owner, HO-8 older home (usually ACV).

A = dwelling + attached structures + building materials on site.

Land is never covered.

B = structures set apart by clear space (a fence connection still counts).

B excludes business structures and most structures rented to non-tenants.

C covers insured's property anywhere in the world; guest property at the named insured's request.

Registered motor vehicles excluded; a mower that services the home is covered.

Special limit = cap per category per loss; some caps are theft-only.

Buildings (A, B): replacement cost if insurance-to-value is met.

Personal property, carpeting, awnings, appliances: ACV.

California ACV = replacement cost − fair physical depreciation, not market value.

ALE = only the increase in living costs.

Fair rental value = lost rent − expenses that stop.

State of emergency: ALE at least 24 months; 4-month advance on request for a total loss.

Prompt notice, police for theft, protect property, inventory, show the damage.

Protective repairs: yes; permanent repairs before inspection: no.

Proof of loss: 60 days normally; at least 100 days in a state of emergency.

Debris removal: inside the limit, plus an extra 5% when the limit is used up.

Property removed: any cause of direct loss while moved away from danger.

Ordinance or law pays increased cost to rebuild, not lost value.

Earth movement excluded, except ensuing fire, explosion, theft and glass breakage.

Flood excluded, except ensuing fire, explosion or theft.

Flood and earthquake coverage are bought separately.

Efficient proximate cause = predominant cause, not last cause.

Wildfire then mudslide: covered if the wildfire is the EPC (§530.5).

Contractor's negligence as EPC: covered unless separately excluded; you can still sue the negligent party.

E: legal liability for BI/PD from an occurrence, plus defense even for groundless suits.

Damage to rented property: excluded, except fire, smoke or explosion.

F: no fault needed; not for the named insured or regular residents (residence employees are covered).

California builds residence-employee WC into comprehensive personal liability policies (§11590).

Covered: household workers such as a nanny (Lab. Code §3351(d)).

Excluded: under 52 hours OR $100 or less in the 90 days before injury.

Other structures increased limit applies only to the described structure.

Scheduled property: open perils, amount shown, no Section I deductible.

Inflation guard: annual % increase, prorated through the term.

Endorsement moves Coverage C from ACV to replacement cost.

Irreplaceable antiques, collectibles, worn-out and obsolete items stay at ACV.

California: at least 12 months from the first ACV payment to replace.

Personal injury = libel, slander, false arrest, wrongful eviction and similar offenses; knowing falsehoods excluded (§533).

Additional rental residence: liability (E, F) only, no property coverage.

HO 07 01 adds business property and liability; incidental occupancies covers on-premises use only.

Attached structures = Coverage A; detached structures = Coverage B.

Coverage B = 10% of A, minimum $2,000.

Removal to escape a covered peril: up to $500, no deductible; ordinary transit usually not covered.

Extended RC = limit + stated % or amount; guaranteed RC has no preset cap.

Rebuilding elsewhere keeps RC, capped at original-location cost; no land deduction.

Code upgrade at least 10% of the dwelling limit; renters and ACV-only policies exempt.

DP-1: A, B, C, D; DP-2 and DP-3 add E (additional living expense).

Other structures 10%: reduces A in DP-1, additional in DP-2 and DP-3.

DP-1 basic named perils (+EC, +VMM); DP-2 broad named; DP-3 open on buildings.

"You" = named insured + resident spouse; registered domestic partner equal (§381.5).

Coverage A: dwelling, attached structures, building materials; never land.

Coverage C excludes money, most vehicles, and watercraft other than rowboats and canoes.

DP-1: all ACV. DP-2/DP-3: buildings at RC if insured to 80%.

Under 80%: greater of ACV or limit ÷ (80% × RC) × repair cost.

Fair rental value: repair time only, minus expenses that stop; no pay for lease cancellation.

Debris removal: inside the limit, no extra 5%.

Property removed: 5 days (DP-1), 30 days (DP-2/DP-3).

Ordinance or law: 10% of A, additional (DP-2/DP-3); DP-1 excludes it.

No code upgrade coverage: declarations must say so in 10-point type or larger.