by Phil Irwin | Oct 26, 2026 | Buying or Selling a Home
In today’s California market, home insurance can make or break a sale. When a buyer can’t get affordable coverage, or finds out late in escrow that the only option is the FAIR Plan, deals stall, renegotiate or fall apart. That’s especially true in...
by Phil Irwin | Oct 26, 2026 | Buying or Selling a Home
More California home buyers are finding that the only insurance available for the home they love is the California FAIR Plan. Stanford researchers found that in the first quarter of 2026, about 1 in 18 new California single-family home loans (5.6%) was originated with...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
California’s home insurance rules changed on January 1, 2026, when nine new laws sponsored by Insurance Commissioner Ricardo Lara and the Department of Insurance took effect. Several of them directly affect homeowners, especially in wildfire country like the...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
If your home insurance renewal has gone up, sometimes way up, you’re not imagining it. Stanford researchers found average California home insurance premiums rose about 84% between 2020 and 2026. Homeowners in the Sierra foothills and mountains have often felt it...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
Owning a home in Truckee or around Lake Tahoe means big snow, tall pines and some of the most beautiful scenery in the country. It also means a home insurance market unlike anywhere else in California, shaped by wildfire risk, heavy winters, high home values, second...
