Is Sewer and Drain Backup Coverage Included in Your Home Insurance?
Why Isn’t It Standard Coverage? Nope—it’s not standard. Most home insurance policies leave out sewer and drain backup coverage. While […]
Coverage Planning
Coverage Planning
How Do Extended and Guaranteed Replacement Cost Endorsements Work After Construction-Cost Spikes?
What Are Extended and Guaranteed Replacement Cost Endorsements? Extended and guaranteed replacement cost endorsements are add-ons to your homeowners insurance
Coverage Planning
Why Are California Homeowners Moving to the FAIR Plan?
What Is the FAIR Plan? The FAIR Plan is a unique insurance option specifically designed for those who find themselves
Mitigation & Discounts
Safer From Wildfires: How California Mandated Home Hardening Discounts Work and How to Document Them
California law now requires insurers to offer premium discounts for wildfire home-hardening measures. Here is which Safer from Wildfires upgrades qualify and how to document them for credits.
Home Protection
Welcome to California Homeownership: What First-Time Buyers Need to Know About Insurance
Welcome to California Homeownership – Now About That Insurance Congratulations! You’ve found your dream home in California. Maybe it’s a
Coverage Planning
Understanding the Medical Payments Line on Your California Home Insurance
That Tricky “Medical Payments” Line on Your California Home Insurance It’s easy to feel a little overwhelmed when you’re looking
Home Protection
California Wildfire Risk and Your Home Insurance: What You Need to Know
California Wildfire Risk: It’s Not Just the News Anymore Honestly, if you own a home in California, you’ve probably felt
Insurance Solutions
California Fire Zones: Debunking Common Wildfire Insurance Myths
Myth #1: My Home Isn’t in a “Fire Zone,” So I’m Safe, Right? Honestly, this is one of the biggest
Coverage Planning
Your Stuff: Understanding Personal Property Coverage in California
What You’ll Learn: Why your “stuff” needs its own coverage, separate from your house. The critical difference between Actual Cash
Home Protection
Navigating the California Home Insurance Maze: A Homeowner’s Guide
Feeling Lost in the California Home Insurance Maze? Honestly, it’s a mess out there. If you own a home in