by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
Grass Valley and Nevada City are some of the most beautiful places in California to live: historic downtowns, tall pines, oak-covered hills and a strong sense of community. They’re also at the center of California’s home insurance challenge. If you own or...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
Few pieces of mail cause more stress than a non-renewal notice from your home insurance company. In California, it’s become far too common, especially in the foothills and mountain communities we serve across the Sierra foothills. First, take a breath. A...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
The California FAIR Plan was built as a safety net, not a permanent home. Yet hundreds of thousands of California homeowners now rely on it, many in the Northern California counties we serve, and with the FAIR Plan’s 29.1% average rate increase taking effect at...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
If you’re one of the hundreds of thousands of California homeowners insured through the California FAIR Plan, your next renewal may come with a painful surprise. The Department of Insurance approved a 29.1% average statewide rate increase for FAIR Plan dwelling...
by Phil Irwin | Oct 26, 2026 | Videos
In this short video, Chad Phillips shares why he partners with and recommends Gold Insurance Solutions. Chad is a top-producing Roseville Realtor with more than 30 years of experience, ranked among the top 500 agents in Placer, Sacramento and El Dorado counties. He...
