FAQs

A standard homeowners policy typically covers fire, including wildfire, but carriers may decline or non-renew brush-exposed homes; the gap is usually availability, not the peril, which is where FAIR ...

An umbrella adds liability limit above the limits already on your home and auto policies, and the common starting point for sizing it is net worth plus exposure to ...

Homes nearer the canyons and the Santa Monica Mountains carry brush and wildfire scores that lead some carriers to decline or non-renew; when that happens we can pair a ...

Usually yes, because standard home policies cap categories like fine art, jewelry, and wine at low sublimits; scheduling each piece sets an agreed value and removes the deductible surprise ...

We base it on the actual construction, not a square-foot formula, accounting for hillside access, foundation and slope work, and specialized materials, then add extended replacement cost where available ...

Not automatically, so we add ordinance-or-law coverage, which pays to rebuild an older Downtown building to current code after a covered loss rather than leaving that cost to you. ...

Ridge and canyon homes in Bel Air carry high brush scores after fires like the 2017 Skirball Fire, and some carriers respond by declining or non-renewing; when that happens ...

Only if you carry business interruption coverage, which replaces lost income and helps with rent and payroll while you rebuild, and it is especially worth reviewing in older shared ...

A bar typically needs liquor liability on top of general liability, because serving alcohol creates exposure that a standard liability policy does not cover, along with commercial property and ...

An HO6 condo-unit policy covers your contents, interior improvements, and personal liability, and picks up loss assessment where the building’s master policy leaves off.