by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
In much of the country, fall means pumpkin spice and raking leaves. In California, it means something more serious: the heart of wildfire season, the Diablo winds, possible Public Safety Power Shutoffs, and then, almost overnight, the first big atmospheric river...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
You’ve probably looked at the big numbers on your home insurance: the dwelling limit, maybe the personal property limit. But inside those big numbers are smaller caps called sub-limits, and they’re where many California homeowners get an unpleasant...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
Your deductible is one of the few parts of your home insurance policy you get to choose, and it plays a big role both in what you pay for coverage and in what you collect when something goes wrong. Yet many California homeowners don’t know their deductible until...
by Phil Irwin | Oct 26, 2026 | Home & Wildfire Insurance
Most people buy home insurance thinking about the house itself: the roof, the walls, the things inside. But after a serious fire, smoke or water loss, the question that hits first is often much simpler: where are we going to live? That’s what Loss of Use...
by Phil Irwin | Oct 25, 2026 | Home & Wildfire Insurance
When you get a home insurance quote, the price isn’t pulled out of thin air. Behind it is a set of rating factors: scores, maps and data points that insurance companies use to measure the risk of insuring your specific home. In California, terms like ISO,...
by Phil Irwin | Oct 25, 2026 | Home & Wildfire Insurance
If you own a home in the Sierra foothills, Tahoe or anywhere near wildland in California, you’ve probably heard the term “Zone Zero.” It’s showing up in the news, in fire department notices and, more and more, in conversations with insurance...
