by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
California’s ADU laws have made it much easier to build accessory dwelling units, and backyard cottages, garage conversions and junior ADUs are popping up across the Sierra foothills. But many homeowners never update their insurance, and a standard policy may...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
Condo and townhome owners in California face a double challenge right now. You need the right HO-6 policy for your own unit, and you depend on your HOA’s master policy, which has become harder and more expensive to place in many communities. Here’s what...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
No one is ever ready to lose a home to wildfire. If it happens to you, the days and weeks that follow are overwhelming. This guide walks through what to do, step by step, and the rights California law gives you after a loss tied to a declared state of emergency. If...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
After the January 2025 Los Angeles fires, one of the most painful stories was homeowners who had insurance, but not enough insurance to rebuild. Being underinsured is common, and most people don’t know they are until it’s too late. Here’s how to tell...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
Here’s a fact that surprises many California homeowners: your homeowners policy does not cover earthquake damage. Not the house, not your belongings, not your hotel bill while repairs are made. Earthquake coverage is a separate policy, and only a small share of...
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...
