FAQs

A course-of-construction (builder’s risk) policy covers the structure during construction, and we transition it to a standard home policy as the rebuild is completed, so there is no gap ...

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 ...

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 ...

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 ...

Usually yes, because home policies cap fine art, jewelry, and similar categories at low sublimits; scheduling each item sets an agreed value and typically removes the deductible on a ...

Most carry general liability and commercial property, add professional liability or errors and omissions for the services they provide, and layer in cyber liability for the client and payment ...

We base the dwelling limit on the actual cost to rebuild the home with its materials and finishes, not a market or square-foot figure, then add extended replacement cost ...

Not fully, because barns, outbuildings, and animal-related liability often fall outside a basic homeowners policy, so we structure the added structures and liability coverage an equestrian property typically needs. ...

No, earthquake is excluded from standard California home policies here as it is statewide, so we review a separate earthquake policy and explain what it protects before you decide. ...

A non-renewal near the northern foothills is common and not the end of the road, because we can pair a California FAIR Plan policy with a difference-in-conditions wrap so ...