Not necessarily; we help set a rebuild cost and building-code upgrade limits that reflect current construction and code, so the policy matches what it now takes to rebuild rather than what the home was insured for before.
Related FAQs
Possibly, because flood is excluded from every California home policy and post-fire slopes and heavy storms can send water and debris downhill; a separate flood policy is how that ...
A common path is a California FAIR Plan policy for the fire coverage paired with a difference-in-conditions wrap for liability, theft, water, and the perils the FAIR Plan leaves ...

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