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...
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...
