Enough to rebuild the home, which is a different figure from its market value and usually from the purchase price. Market value reflects land, location, and what a buyer ...
A walls-in master policy covers original interior fixtures, so your HO6 covers less. A bare-walls policy stops at the unfinished structure, so your HO6 needs to cover more of ...
No. The FAIR Plan is a separate insurer of last resort. We help clients obtain FAIR Plan coverage and pair it with a DIC policy, but we represent you, not ...
No. Both are excluded from standard California homeowners policies and are written separately. Earthquake is bought as its own policy or endorsement, and the deductible is typically a percentage ...
Fire, including wildfire, is typically covered under a standard homeowners policy. In high-risk areas where standard coverage is limited, a FAIR Plan and DIC combination may be used. ...
An SR-22 is a certificate a court or the DMV may require to confirm you carry the state minimum. Ask us if you have been told you need one. ...
As of January 1, 2025, the minimums are 30/60/15: 30,000 dollars per injured person, 60,000 dollars per accident, and 15,000 dollars for property damage. Higher limits are often worth ...
It is not mandatory, but many California drivers add it because it may protect you when an at-fault driver has little or no insurance.
No. California does not allow credit-based rating for personal auto, so your credit is not used to set your auto rate.
It often depends on the assets and future income you want to protect above your home and auto limits. We help you think it through.





