Is Property Insurance the Same as Homeowners Insurance?

Property insurance is a general term that refers to a group of policies that serve the purpose of protecting real estate property and its contents or providing liability coverage for the property owners;

homeowners insurance is a type of property insurance that protects homeowners by insuring against damages and losses to the home and its contents and providing liability coverage in case of injuries sustained in the home.

Property Insurance

Property insurance coverage typically covers the physical structure and its contents in case of damage or theft due to burglary, fires or natural disasters. In case a claim is made to the insurer for damage or losses to the home or its contents, the property owner(s) will be reimbursed the actual value of the damaged or stolen item or the replacement cost required for repairs or replacement up to a certain limit.


What Does Homeowners Insurance Cover?

In this guide, we’ll explain the nitty-gritty of what is and what’s not covered by a homeowners insurance policy. We’ll cover the specifics and questions that may be of particular concern to you. For example, you may wonder if a typical homeowners insurance policy covers damage from mold, termites, and roof leaks, or whether you’re covered if your dog bites a visitor. We’ll also highlight things that are not typically covered. Finally, we’ll explain the difference between a cash value policy and a replacement cost policy, what to expect when you make a claim, and how long you should expect to wait before receiving payment from your homeowner’s insurance company.

Standard Homeowners Insurance Coverage

A standard homeowners insurance policy provides coverage to repair or replace your home and its contents in the event of damage. That usually includes damage resulting from fire, smoke, theft, or vandalism, or damage caused by a weather event such as lightning, wind, or hail. Other covered damage could come from external forces like a falling tree.

That coverage includes your heating and cooling systems, along with kitchen appliances, furniture, clothing, and other possessions. Coverage for outbuildings on your property, such as a garage, barn, or shed, along with outdoor grills or fireplaces, swing sets, walls, or fences is also included. A swimming pool or other recreational equipment may also be covered, but those higher-risk items may require additional liability coverage.


Property Insurance: Definition and How Coverage Works

Property insurance is a broad term for a series of policies that provide either property protection coverage or liability coverage for property owners. Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in case there is damage or theft—and to a person other than the owner or renter if that person is injured on the property.


  • Property insurance refers to a series of policies that offer either property protection or liability coverage.
  • Property insurance can include homeowners insurance, renters insurance, flood insurance, and earthquake insurance, among others.
  • The three types of property insurance coverage include replacement costs, actual cash value, and extended replacement costs. READ MORE

Ralene Nelson, REALTOR®

OPEN HOUSE on Saturday 12-2 pm
NEW PRICE – 295 Sage Meadows Drio Vista

3bed/3.5bath/2,367sqft/6,669sqft lot

NEW PRICE $549,000 – Calistoga model, with private courtyard, located on a corner lot. New interior paint (including garage) & tile/grout cleaned, gives this home a fresh look. Island kitchen with granite tile, black appliances, w/5 burner gas stove top & maple cabinets. Open floor plan makes this a great home for entertaining & the fireplace makes it cozy. Large master bedroom has bay window, upgraded tile in bath (walk in shower & tub). Den has been enclosed as well as another room, so this could be 4 bedrooms. One can be your den, other can be your craft/sewing room. 2nd bedroom has full bath, with courtyard entrance. Laundry room has sink, cabinets & folding space. Full patio & fencing secures this backyard for your family pet. Trilogy offers many amenities, from tennis, bocce, billards, pickle ball, golf, 2 pools & spas and even playground for grandchildren. Just bring your furniture & make new friends.READ MORE

FOR SALE – 181 Cedar Ridge Dr. Rio Vista

2 bed/2 bath/1,433sqft

$540,000 – Look no further!! This Clipper model is like a new home, completely renovated, from new sheet rock to all new cabinets throughout, new baths, laminate flooring, quartz counters, appliances, and new interior & exterior paint. Located on the 11th fairway, bring some patio furniture & enjoy the scenery. This model provides a living room/dining room & a nook/great room. Trilogy provides so many amenities, including 2 swimming pools/spas, bocce courts, billiards, tennis courts, pickleball, gym & more. READ MORE

FOR SALE – 731 Turnberry Ter Rio Vista
2 bed/2 bath/1410 sqft

$410,000 – NO BONDS-Spinnaker model with private backyard. This 2 bedroom, 2 bath home feels like a very relaxing cottage for a retirement home. The patio provides a quiet place for morning coffee & afternoon beverage. Den has built-in book/curio shelves & bay window. The Master bedroom has a bay window, which creates room for a sitting area. New hot water heater. Enjoy amenities such as golf, tennis, bocce, pools/spas & a new gym, and more. READ MORE

PENDING SALE – 1392 Lichen Ct, Concord
4 bed/3 bath/1,761sqft/7,980sqft lot

$889,000 – Look no further, as you enter this beautiful move-in ready home, you know this is the one, & it is located in a well-established neighborhood & close to shopping. Double front doors welcome you to this cheerful home that includes 4 bedrooms, 3 full baths, and features a bedroom & bath on the main floor. This is perfect for a nanny or family member living with you. The home has new interior paint and new LVT plank flooring/carpet throughout. The kitchen was refreshed with open space with newer cabinets, granite tile counters, a sink, a built-in oven/electric cooktop, a garden window & sliding door to the patio. The chef will be delighted with the walk-in pantry. The kitchen/den features a mobile prepping block with storage. Also, the upstairs hall bath was remodeled to include a new tub/shower & tile floor. The majority of light fixtures are new & fireplace has a pellet stove insert. RV/boat parking, storage shed & backyard can accommodate a swimming pool/spa. The backyard has a few fruit trees & room for a garden/play area. Room for a large BBQ with all your family & friends. This home has so much potential for the next homeowner. Solar leased 3/2020 for 25 yrs. Don’t miss out!! READ MORE

PENDING SALE – 689 Waterwood Dr, Rio Vista
2 bed/2 bath/1,837sqft/5,436sqft lot

$550,000 – Breathtaking views as you step into this beautiful home, located on the 11th green & pond. Popular Reflect model with quartz counters, white cabinets, 5 burner gas stove top & refrigerator are included. Tile floors with carpet in bedrooms. A double-sided gas fireplace makes for a cozy den & living room. The primary bath has double sinks with a walk-in shower with w/bench seating. Shutters throughout the home. Walk out either slider onto the covered patio that is the full length of the home. Small piece of turf for your pet, low maintenance landscape (front & back) & fenced. The backyard is lovely & a great place for a BBQ. Washer/dryer are included & there’s a laundry tub in the garage. Prepaid solar lease, transferrable to the buyer for the remaining years of the lease. Just bring your furniture and enjoy all the amenities, such as 2 swimming pools/spas, bocce ball courts, tennis & pickle ball courts, horseshoes, billiards, a library, a computer room, etc. So many activities to enjoy, you can be as busy as you want or idle. There is a club for just about all your hobbies. READ MORE

PENDING SALE – 700 Michelbook Ln. Rio Vista
2 bed/2 bath/1,579sqft/5,693sf lot

$455,000 – Beautiful Atherton model, located in the Active Adult Community of Trilogy. Corner lot, 2 bedroom/2 bath home, with beautiful wood flooring, carpet in bedrooms & den. The kitchen has an island with granite counters, oak cabinets, some with glass fronts to show off your china, & gas range. Lots of counter space for the chef & has a pantry. The great room has built-in custom cabinets, a gas fireplace & overlooks the backyard. 65-inch mounted TV conveys with sale. Den also has built-in cabinets. The primary bedroom overlooks the backyard, the bath has double sinks & large walk-in closet. Fenced & private backyard with a roomy patio with all-weather cover.  READ MORE

PENDING SALE – 307 Birch Ridge Dr. Rio Vista
2 bed/2 bath/1,154sqft

NEW PRICE $415,000 – Updated Carmel model, in the active adult community of Trilogy. Just bring your furniture to this lovely 2 bedroom, 2 bath home with prepaid solar. Sellers have just finished with new interior paint, laminate flooring w/wider baseboards throughout, & painted cabinets. Kitchen has white cabinets, granite counters, electric stove top, stainless appliances & 2 pantries. Primary bedroom closet has built-in organizer & 2nd bath has walk-in tub w/shower over. Laundry room has additional storage, & 55 gal hot water heater. Shutters through out makes this a very cozy home. Fenced back yard for your pet and patio with all weather cover… READ MORE

PENDING SALE – 710 Pinehurst Dr. Rio Vista
2bed/2bath/2,065sqft/5,345sqft lot

$454,000 – Solar owned & No Bonds!! Can’t get much better, this Hatteras model located in the Rio Vista Active Adult Community, Trilogy, offers drought-resistant landscaping & cozy back yard. Start the day with coffee on the patio & watch the sunset on the front porch. This home has 2 bedrooms, 2 baths with blinds throughout. The home has a living room/dining room combo and a family room/kitchen with tile floors in the kitchen/nook. Full patio with cover & is very private. The laundry room has a sink, washer/dryer convey with the sale, as well as refrigerators. Walking distance to Delta clubhouse, pro shop & Monarch Restaurant. Trilogy offers 2 swimming pools/spas, a cafe & restaurant, tennis courts, bocce ball courts, pickle ball, billiards & more. Just bring your furniture and enjoy your retirement life. READ MORE

Events in Northern California this Weekend

3rd Annual Carrot Farm – Family Fun Day

Sunday, April 2 · 12 – 4pm
11 Pastor Lane Knightsen, CA

Save the date! It’s our 3rd Annual Carrot Farm Celebration 🥕 Enjoy a fun family Spring day with us and our friends at the ranch. Register for the egg hunt, shop cute Easter gifts with our seasonal vendors, come in your favorite Spring outfit, and enjoy photos with Mr. & Miss Easter Bunny and their friends.

Register for a styled and posed Easter Bunny photo here:

Included in your child reservation:

  • – One digital edited photo with the Easter Bunny
  • – Alpaca photos 🦙 (take your own)
  • – Vintage Tractor Photos 🚜
  • – Egg hunt , etc… READ MORE

Lodi Wine Festival
Sat, Apr 1, 1 – 5 PM
Lodi Grape Festival Grounds, 413 E Lockeford St, Lodi

The Lodi Wine Festival features wine tasting from up to 40 wineries pouring over 200 varietals. This is a unique opportunity to explore the Lodi wine region has to offer all in one place.

VIP Tasting – 1:00-5:00 PM – SOLD OUT

$70 in advance, $80 at the door – a limited number of tickets will be sold

  • Entry one hour before Grand Tasting
  • Access to the VIP Lounge which features special wine tasting and food
  • Wine tasting from up to 40 wineries
  • Commemorative wine glass
  • Live music
  • Shopping at artisan craft vendor booths

Grand Tasting – 2:00-5:00 PM
$50 in advance, $60 at the door

  • Wine tasting from up to 40 wineries
  • Commemorative wine glass
  • Live music
  • Shopping at artisan craft vendor booths

Located in the Ole Mettler Grape Pavilion at the Lodi Grape Festival Grounds, 413 E. Lockeford Street, Lodi, CA 95240
Must be 21 or older to attend – this includes infants, toddlers and all children.
Pets are not permitted.

Designated driver tickets are $20 and are available at the door. READ MORE

The Micke Grove Easter Egg Hunt
Sat, Apr 1, 10 AM – 1 PM
Micke Grove Regional Park, 11793 N. Micke Grove Rd., Lodi.

Kids age 12 and under hunt 25,000 candy and toy-filled eggs, plus crafts, face painting, bounce houses, food trucks and the Easter Bunny!

After a long Covid absence, The Micke Grove Easter Egg Hunt is back! It will be held from 10 a.m. to 1 p.m. at Micke Grove Regional Park, 11793 N. Micke Grove Rd., Lodi. FREE EVENT, vehicle entry fee $6.

Kids age 12 years and under will seek 25,000 candy and toy-filled eggs at the hunt, to be held at the park baseball diamond area (near the San Joaquin picnic shelter). Kids crafts, face painting, bounce houses and food trucks will also be available during the three-hour event. And what is an egg hunt without the Easter Bunny himself! After the event, stay and enjoy Micke Grove, including Micke Grove Zoo!

EVENT IS FREE, vehicle entry fee $6. Ticketed event only, space limited to first 2,000 guests. Admission tickets only available here (no tickets available at the park or day of the event). All guests age one (1) year and older MUST HAVE AN ADMISSION TICKET TO ENTER EVENT AREA – NO EXCEPTIONS.

Event parking will open at 9 a.m., Micke Grove will open two additional CASH-ONLY entry gates that morning (one near the Micke Grove Golf Course and one near the middle of the park). The Micke Grove main gate, located near Armstrong Rd., will be open as normal. Event parking will be near the Memorial Auditorium, San Joaquin shelter and event area.

Hunt will be held at 11 a.m. and open to kids age 12 and under (head start for ages 6 & under and special needs, ages 7 to 12 start immediately after, adults may aid kids requiring assistance). Please bring your own Easter baskets. LIMIT 10 EGGS PER CHILD, PLEASE!

Sacramento Taco Fest
Sat, Apr 1, 9 AM – 4 PM
Golden 1 Center, 500 David J Stern Walk, Sacramento

Highlights include:

  • Tacos 🌮
  • Margaritas 🍹
  • LIVE Pro Wrestling 🤼‍♂️
  • Local Shopping 🛍
  • LIVE DJs 🎧 & Music!
  • Taco Eating Contest 🌮
  • Hot Chili Pepper Eating Contest… READ MORE

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SOLD - 307 Birch Ridge Dr. Rio Vista

Wed Apr 5 , 2023
Updated Carmel model, in the active adult community of Trilogy. Just bring your furniture to this lovely 2 bedroom, 2 bath home with prepaid solar. […]
307 Birch Ridge Dr, Rio Vista

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