Bamboo Home

Trusted Home Insurance
for Thousands of Americans

Take it from our clients!


A top rated insurance company.


Bamboo Insurance covered almost all the major expenses of my complex home repair and recovery from a major slab leak. My Bamboo Insurance Advocate, Ms Jarnae G., consistently demonstrated knowledgeable, helpful and friendly performance at a very high level.

Larry V. | Sitejabber Review


Customer service was phenomenal. My agent was helpful and explained the policy very well.

Lucy A. | Sitejabber Review


Bamboo home insurance was the best thing I could have done. The agent I worked with was outstanding in helping us get fire insurance, which in California is getting ridiculous. Very transparent communication between are agent and the California fair act agency. The price was very fair and I would recommend Bamboo insurance to you if you live in California.

Gary W. | Google Review


Fast and tailored Service! Randy Pantoja was my agent and I was thrilled with his service. He kept it short, to the point, not salesy, yet super helpful and service oriented.

Ahmed N. | Google Review


The only insurance company that is here for rural California now. I spent two months cycling through CA FAIR plan requests for insurance. Each company would initially contact me, then, nothing. BAMBOO has been easy and easily accessible for help with coverage.

Heidi A. | Google Review


Bamboo Insurance is there for you when no one else is! They are great! They can even get you insurance if you live in CALIFORNIA! WHAT?
You heard me right, give them a call today!

Thank you, Raul and Todd!

Lauren H. | Yelp Review


We were very happy with the assistance we received from Brandi. She was quick to respond to every question and pleasant to deal with. We needed to secure coverage by a deadline, and Brandi made sure that we were able to make it. Highly recommended.

Jim H. | Sitejabber Review


Given all the chaos with insurance companies in California, Bamboo was a breath of fresh air! So easy to get insurance - thank you.

Zoe K. | Google Review | 05/2024


Fast and efficient. Friendly staff. Received quote quickly. Application process was very easy.

Marle S. | Google Review | 05/2024


After my insurance carrier left the state, I was stuck buying state insurance through California. It was expensive and miserable with terrible customer service…so I started looking for a new carrier after being with my new carrier for only a few months. A friend of mine recommended Bamboo. I was happy to see that we have an insurance carrier here in California that is local to California. My representative, Cooper, was helpful, kind, easy, and facilitated my exchange quickly. What a relief it is to not be stressed out over my hazard account.

Crystal K. | Sitejabber Review

  • Homeowners

  • Resources

We offer reliable, comprehensive coverage at competitive rates that provide peace of mind for the ownership journey ahead of you.

Find FAQs from other homeowners like you, as well as downloadable resources right here.


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  • Downloadable Resources

  • Got a question?

Smoke Exposure Preparedness
Prepare and protect your home during wildfire season with these tips. Download Here
Emergency Supply Kit
Build your emergency supply kit using this checklist and have your plans established in the event of an unforeseen disaster. Download Here
Navigating Wildfires
Important information on how to prepare for a wildfire and helpful tips to prevent it from spreading to your home. Download Here
Seasonal Checklist for Fire Prevention
Helpful tips on how to prepare your house each season for fire prevention. Download Here

Still left with more questions than answers? Let’s talk.

How do I get homeowners insurance?

It’s simple for you – complete this form and then our team of expert Bamboo Advocates will get started on your customized experience.

What does homeowners insurance cover?

Homeowners insurance probably covers more than you think. With your policy, you’re covering your home and property for situations where damage is caused by extreme weather, vandalism, wildfires, and crime. It even protects you in situations where visitors or guests experience an injury accidentally caused by you. It’s best to chat with your Bamboo Insurance Agent on what all is covered and most applicable to your unique situation.

Will homeowners insurance cover water damage?

Most homeowner’s insurance policies help cover water damage inside the home if the cause is sudden and accidental. That means it would likely cover the cost to repair your ceiling or floor if a pipe bursts. On the flip side, homeowner’s insurance usually does not cover a slow leak that might’ve been dripping for years behind your refrigerator. It’s not a replacement for general ‘wear and tear’ on your home, but rather sudden and accidental perils. Additionally, homeowner’s insurance generally covers pipes in your home. It does NOT cover the pipes outside of your home that connect to the main water line in the street. If a pipe bursts there, you might need to pay to have someone dig up your front yard to repair the problem. If you think this kind of coverage could come in handy, ask your agent about ‘Service Line’ coverage.

Am I covered if a tree falls on my house?

Homeowner’s insurance typically covers the costs of removing the tree or shrub that fell on an insured structure. If a fallen tree doesn’t damage your home or other structures but blocks a driveway or ramp for the disabled, insurance may pay to have it removed.

What about wildfire? Will I be covered for that?

Homeowners insurance MAY help cover damage to your home and belongings resulting from a wildfire. Given the high risk of wildfires in some areas, some insurance carriers may not be able to offer coverage for fires. In this case they may offer you a separate policy through the state. Check your policy carefully and double-check that you have the coverage you need.
If your home is in an area with a high risk of wildfire, you may need two insurance policies – one that covers fire and one that covers other perils such as theft, water damage and liability. Together these two policies should provide complementary coverage against most perils covered in a standard homeowner’s policy.

  • Policy 1: The state of California has a FAIR (Fair Access to Insurance Requirements) program to provide fire insurance to homeowners who have trouble getting coverage from insurance companies. It will cover fire, but not other perils like theft, water damage or liability.
  • Policy 2: If you have a FAIR plan policy to cover fire, your insurance company can offer you a DIC (Difference in Conditions) policy that covers perils that are not covered in the FAIR plan. This includes coverage for perils such as theft, water damage and liability.
Will homeowners insurance cover swimming pools, hot tubs, or trampolines?

Possibly! Pools, water slides, hot tubs, and trampolines can be considered an “attractive nuisance” because small children may be attracted to them and risk getting hurt or drowning. With that, most insurance companies require that pools and hot tubs be fenced. Ask your agent if your homeowner’s policy covers liability related to your pool, hot tub, water slide or trampoline.

What about my personal property? Is that covered?

Sure is! A homeowner’s policy provides different types of coverage for your belongings depending on the type and category of the item.

  • Unscheduled personal property looks at your belongings in aggregate. Coverage is generally listed as a % of Coverage A (i.e., 50%). If you lost your home to a house fire, for example, you would need to replace everything: furniture, fixtures, bedding, clothing, etc.
  • Scheduled personal property refers to types of goods that have separate sub-limits of coverage. Firearms, cash, photography equipment, computer equipment and jewelry all have set sub-limits in a standard homeowner’s policy, such as $5,000 per category. If you have an item worth more than the limit, such as an engagement ring valued at $15,000, you can usually purchase additional coverage for it by providing proof of purchase or an appraisal. If you have a special collection, please bring this up to your agent or an advocate at Bamboo to ensure that you’re covered.
How will I know which homeowners insurance is best for me?

That’s where we come in. We have a team of Advocates who will personalize your coverage, so it covers exactly what you need it to cover. Get started here!

What support does Bamboo Insurance offer?

You’ll have your Bamboo Insurance Agent to rely on (yes, an actual person)! In addition to that, we’ve thoughtfully stocked up our Resource Center with what we’ve heard is most important for you to have access to whenever you need it.

Will homeowners insurance cover me if my dog bites someone?

Maybe. To cover the cost of treating a dog bite, you would need to carry something called ‘animal liability’ coverage. This type of coverage may be included in a homeowner’s policy or may be available for additional cost. Keep in mind, there may not be available coverage for certain breeds of dog, so make sure to read your policy carefully.

What if someone slips & falls in/near my home?

Most slip and fall accidents will be covered, except when you, the homeowner, acted intentionally to cause the slip and fall. If a homeowner’s negligence causes the fall, such as having unmarked obstacles on the property, liability coverage may apply. If there is no negligence, no-fault medical coverage may apply.

I’m getting some renovations done to my house. Are contractors and construction workers covered in my home?

Maybe. Depending on the state and circumstances, a contractor injured on your property may be covered by a homeowner’s liability insurance in coordination with state workers compensation insurance coverage. Homeowner’s insurance will not cover other scenarios with contractors such as poor workmanship.

What types of insurance policies are there?

We’re about to drop some industry terms on you, so brace yourself. If you’re starting out with insurance, it’s smart to get on good terms with these policy types.

  • HO-3: A standard homeowner’s policy
  • HO-4: Renter’s insurance to protects the belongings of someone renting a home or apartment; the owner of the unit would need a separate landlord insurance policy to protect the structure
  • HO-5: A homeowner’s policy with broader coverage for additional perils
  • HO-6: Insurance for someone who owns a condominium; the condo association will likely have coverage to protect the building and its common areas
  • DP-1: Insurance for the owner (landlord) of a property that may be vacant
  • DP-3: Insurance for the owner (landlord) for a property that is occupied by a tenant
I’m trying to make some extra money renting out my house (Airbnb, etc.). Is there coverage for that?

Yes, but you probably don’t have it. Most standard homeowner’s insurance policies exclude short-term rentals. The owner of the home requires special insurance to cover the dwelling during rental periods. If you’re truly planning on pursuing this, contact an agent or the rental service for coverage options.

Still left with more questions than answers? Let’s talk.