Do I Need Earthquake Insurance in California?
How California homeowners should think about earthquake insurance: fault proximity, percentage deductibles, CEA vs private carriers and retrofit discounts.
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California insurance, explained plainly.
Short guides from our San Jose office on the questions Bay Area homeowners and business owners ask us most.
CA Fair Plan vs. Standard Homeowners Insurance: What's the Difference?
What the California FAIR Plan covers, what it leaves out, why you need a difference-in-conditions wrap, and how to get back to the standard market.
Read the guide →Do I Need Flood Insurance If I'm Not in a Flood Zone?
Why Bay Area homeowners outside FEMA high-risk zones still buy flood insurance: what homeowners policies exclude, preferred-risk pricing and the 30-day wait.
Read the guide →How Much Does Homeowners Insurance Cost in the Bay Area?
What Bay Area homeowners actually pay for insurance, what drives the premium — replacement cost, brush score, roof age — and how to bring it down.
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