by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
If you have been placed on the California FAIR Plan, you are not alone. Hundreds of thousands of California homeowners, especially in the Sierra foothills, Gold Country and wine country, now rely on it because standard carriers have pulled back from wildfire-prone...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
Most California homeowners know their premium to the dollar. Far fewer know what their policy would actually pay if the house had to be rebuilt from the ground up. With wildfire losses, tighter building codes and construction costs that keep climbing, that number...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
Every California homeowner has felt it: the renewal that doubled, the non-renewal letter, the FAIR Plan quote, the neighbor who can’t find coverage at all. It didn’t happen overnight. California’s home insurance crisis was built fire by fire,...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
From historic Old Town Auburn to the oak-covered hills of Meadow Vista, Applegate, Newcastle, Colfax and Foresthill, the Placer County foothills are a special place to live. They’re also wildfire country, and that shapes the home insurance market here as much as...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
Gold Country is full of character: Victorian homes in Nevada City, historic cottages in Grass Valley, older ranch homes around Auburn and cabins in the Sierra. Older homes are wonderful to live in, but they can be harder to insure, especially if their original systems...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
If there’s one part of your home California insurers care about most, it’s the roof. It’s your home’s first defense against wind-blown embers in a wildfire and against water in a winter storm, and it’s one of the most common reasons homes...
