There are several companies that cover California, and provide good coverage. It is important to get an upgraded policy, as most of the policies offer just basic coverage with many exclusions. For example, if you have a pool and equipment, it needs to be added, with an additional fee, for it to be included. Ditto for roof, some appliances etc.
I recommed carefully reading the policy to learn the inclusions and exclusions. Your agent shoud be a source of guidance to you.
I instruct all of our buyers review each company place on an excel spread sheet compare apples to apples
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This is a good question. There are a number of large national companies that offer this service and normally smaller local companies as well. Check the yellow pages for local company availability and speak with a representative. Find out from them what the benefit is for using a local company as opposed to a larger out of the area concern.