Homeowners

Don’t Skip This Before Getting Home Insurance: Check Your Electrical Panel

Home Business (category), Homeowners (category), risk (category), risk management (category)
September 30, 2026

🚨 If you’re a homeowner or landlord planning to apply for home insurance or a landlord/lessor’s risk policy, take a moment to inspect your electrical panel first. This simple step can save you from unexpected delays or even a policy denial. ⚠️ Why This Matters Older electrical panels are considered high‑risk by insurers due to potential issues like overheating, circuit breaker failures, and fire hazards. In many cases, having one of these outdated models can lead to: 🔍 Panels to Watch Out For Here are the most problematic models insurers flag: ✅ Practical Steps to Take 📌 Bottom Line A… Read More »Don’t Skip This Before Getting Home Insurance: Check Your Electrical Panel

California Insurers Add New Fee After FAIR Plan Assessment Surcharge

California (category), Homeowners (category), Personal Insurance (category), Travelers Insurance Company (category)
November 13, 2025

After the 2025 wildfires, California insurers are adding a surcharge to property policies to recover FAIR Plan costs. Travelers will start charging 1% extra on new and renewed policies in 2026.

Defending Your Home from Wildfires: Affordable Ways to Lower Insurance Costs

California (category), Fire (category), Homeowners (category), risk management (category)
February 18, 2025

Wildfires are a growing threat, but homeowners can protect their properties with ember-resistant vent covers, fire-resistant materials, and regular maintenance. Learn how these simple upgrades can reduce fire risks and insurance costs.

How to Handle Wildfire Insurance Claims Safely and Effectively

Fire (category), Homeowners (category), Property (category), Property Insurance Coverage (category)
February 18, 2025

During Southern California wildfires, policyholders should work directly with their insurance provider to settle claims before hiring third-party adjusters or attorneys. Educating customers on potential scams ensures a smooth and fair claims process.

Homeowners Insurance Premiums Are Rising. Here is What You Need to Know.

Homeowners (category)
January 28, 2025

Homeowners insurance premiums increased 10.4% nationally in 2024, with Nebraska seeing the highest jump. Insurers like American Family led rate hikes, while profitability improved industry-wide through aggressive pricing and better risk management.

Admitted vs. Non-Admitted Insurers: What California Homeowners Must Know

California (category), Homeowners (category)
October 7, 2024

Homeowners in California must choose between admitted and non-admitted insurers. Understanding the risks, benefits, and available protections can help you make an informed decision about your home insurance policy.

Navigating California’s Insurance Crisis: Protecting Your Home and Mortgage with the California FAIR Plan

California (category), Homeowners (category), Personal Insurance (category)
October 5, 2025

If you’re a homeowner in California, don’t wait for an insurance crisis to hit. Keep your property well-maintained, stay informed about your insurance options, and consider working with an experienced broker. By staying ahead of potential problems, you can protect your home and your financial future.

Navigating Insurance Challenges: What California Homeowners Need to Know About Non-Renewals

California (category), Homeowners (category), Personal Insurance (category)
October 7, 2024

The rise in homeowners insurance non-renewals in California is making it harder for many to secure coverage. This post explores the reasons behind this trend, the role of the California FAIR Plan, and how property conditions and new technologies are influencing insurance decisions.

Rising Wildfire Risks: What California Urban Homeowners Need to Know Now

California (category), Homeowners (category), Personal Insurance (category)
October 3, 2024

Wildfire risks in California are shifting from rural to urban areas, driven by climate change and technological advancements. Homeowners and insurers face new challenges in managing risks, leading to higher premiums and policy non-renewals.

The Current State and Future Prospects of Auto and Homeowners Insurance in the U.S.

Homeowners (category), Personal Auto (category)
December 4, 2023

The U.S. personal lines insurance industry, covering auto and homeowners sectors, faces challenges like underwriting losses and economic shifts, but advances in technology and risk management show promise for stability.