CALVET HOME INSURANCE
A Smart Choice for Veterans—Especially in Rural California
For many Veterans, the dream of owning a home in California’s beautiful countryside is threatened by soaring insurance premiums and limited coverage availability. In recent years, California has faced a growing insurance crisis. Major insurance carriers have pulled out of the state or canceled policies—especially in rural and high-risk fire zones—leaving many homeowners without protection.
But there’s good news for Veterans.
When you finance your home through a CalVet Home Loan, you gain access to CalVet Home Insurance, a powerful and affordable insurance option created exclusively for California Veterans.
Exclusive CalVet Insurance Benefits Include:
- Guaranteed Replacement Cost Coverage – Your home will be rebuilt to its full replacement value, not just market value.
- Very Low Deductibles – Especially important during emergencies or natural disasters.
- Fire & Hazard Coverage – Essential for homes in wildfire-prone areas.
- Flood Insurance – Included, even if your area is not designated as a high-risk flood zone.
- Earthquake Insurance – Protection that most private insurers do not offer affordably.
- Affordable Rates – Far below what most private insurers charge in high-risk or rural areas.
- Reliable and Stable – CalVet Insurance is backed by the State of California, providing long-term peace of mind.
Available for Rural and Urban Homes
While CalVet Insurance is especially beneficial for rural and high-risk areas, it’s also available for city properties. Some restrictions may apply to condominiums, manufactured homes in parks, or homes on leased land, but most single-family homes are eligible.
Why Choose CalVet Insurance?
Unlike traditional insurance policies that may have exclusions or hefty deductibles, CalVet Insurance is designed to protect those who have served—offering stability and coverage you can count on. This is especially valuable in California’s changing insurance landscape, where private options are becoming less accessible or prohibitively expensive.
This coverage is ONLY available with a CalVet Home Loan. That means you can’t get this protection through a VA loan or conventional mortgage.
Work With a Veteran Who Understands Your Needs
As a Marine Corps Veteran with over 30 years in the mortgage industry, I understand what matters most to those who serve. I will guide you through the CalVet loan process and help you access every benefit available—including CalVet’s exclusive home insurance coverage.
For more complete information on the Calvet Home Insurance Coverage, Please contact me and I will send you a brochure from the insurance division containing complete information on this program, including what is included, exclusions and deductibles.
📞 Call or TEXT Doug Bullwinkel at 916-295-0044
📧 Email: dbullwinkel@emortgagecapital.com
Own Your Dream Home—Wherever It Is
Whether your heart is set on the mountains, foothills, or farmland—or you want peace of mind in the suburbs—CalVet Home Insurance makes homeownership safer and more affordable for California Veterans.
Don’t let high insurance costs keep you from your dream home.
Let’s make it happen—together.