FAQs

A Larchmont village business usually needs general liability and commercial property as a base, business interruption so a closure does not stop revenue while rent comes due, and workers’ ...

We walk through a replacement cost estimator with you to reach a current rebuild figure that accounts for the original construction, plaster, millwork, and period materials rather than a ...

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

An HO6 condo policy covers your interior, contents, and personal liability, and picks up loss assessment when the association bills unit owners for a shared repair the master policy ...

No, earthquake is excluded from standard California home and condo policies here as it is statewide, and given the age of much of the housing stock we review a ...

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 ...