what does property insurance cover

Property insurance covers sudden, accidental damage — burst pipes, fire, certain storm events, vandalism. It does not cover gradual damage, flooding from outside, normal wear, or maintenance failures. In Los Angeles, understanding this distinction before filing a claim prevents costly surprises. This guide breaks down exactly what standard policies cover, what exclusions apply to LA homeowners, and how to document a loss that gets fully paid. Call (818) 336-1800.