HOME INSURANCE 101

What Is the California FAIR Plan (and Why It Exists) Wildfires. Non-renewals. Headlines that make homeowners feel like they’re holding a ticking time bomb. If you own a home in California right now, you’ve probably heard the term California FAIR Plan tossed around like a lifeline. But what is the FAIR Plan, exactly? Is it […]

Save Money on Home Insurance: Insider Strategies That Actually Work Every year, millions of homeowners pay too much for coverage they don’t need — and not enough for the protection they do. If you want to save money on home insurance without risking your home, read this. Your home isn’t just four walls and a […]

California’s Home Insurance Crisis: What Homeowners Need to Know If you’re a California homeowner, you already know that finding affordable home insurance is getting harder. Without knowing why, as a homeowner, you’re deeply immersed in California’s home insurance crisis. A crisis that has led many carriers to stop writing personal property in the state or […]

The Long-Awaited Fix for California’s Home Insurance Crisis: Too Little, Too Late? California’s homeowners insurance market is in crisis, with many residents struggling to secure affordable coverage. Wildfires continue to devastate communities, and insurers have responded by scaling back or pulling out altogether. While the California Department of Insurance has finally taken action to address […]

What is Dwelling Coverage? (The One Part of Your Homeowners Policy You Can’t Afford to Ignore) Let’s be honest. Reading your homeowner’s insurance policy—especially the dwelling coverage section—ranks somewhere between watching paint dry and alphabetizing your spice rack on the excitement scale. But here’s the truth no insurance agent wants to admit: most people don’t […]

Fire Damage and Home Insurance: Uncovering How Coverage Works Fire damage doesn’t wait for you to understand your insurance policy. It strikes without warning, transforming everything you’ve built into ash and memory faster than you can say “comprehensive coverage.” Morbid? Perhaps. But facing this uncomfortable truth might be the most important five minutes you spend […]

Personal Property Coverage: The Protection Most People Completely Overlook Personal property coverage deserves far more attention than it gets. While you’re busy comparing deductibles and dwelling limits, this critical protection sits quietly in your policy, potentially under-equipped for the job ahead. Here’s a reality check: You meticulously research every major purchase. You compare features, read […]

When Trees Attack: Does Home Insurance Cover Falling Trees? (The Surprising Truth) So there you are, sipping your morning coffee on the porch, admiring that 80-foot oak in your yard. Majestic. Beautiful. Completely unaware of its secret vendetta against your roof. The question isn’t if that leafy leviathan will fall – it’s when. And when […]

The “Safe” Property Deductible Choice That’s Costing You Money When I bought my first home, I did what everyone does – picked the lowest property deductible available. “Only $500 out-of-pocket if something goes wrong? Yes, please!” It felt like the smart, cautious choice. It wasn’t. Years later, I realized I’d been voluntarily sending thousands of […]

Renters Insurance Cost: It’s Less Than Your Coffee Habit (And Protects Your Stuff) Think renters insurance costs an arm and a leg? Not really — think again. For the price of a few fancy coffees each month ($25-$180 depending on your situation), you can protect everything you own. Yes, renters insurance cost sits firmly in […]