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Are older houses more expensive to insure?

Not necessarily. Larger homes in high fire risk areas are often far more expensive than an older home. If a home is older, as long as it’s in good condition and kept up, there are carriers that reward this by offering fair premiums.

What makes a home uninsurable?

An uninsurable home is one that does not meet the insurance company’s standards for coverage. This may be because of outdated wiring, old/worn roof, plumbing, or other old construction that no longer meets building codes, or because the building has become run...

What happens to your mortgage when your house burns down?

As devastating as it is to lose your home, this doesn’t relieve borrowers of their obligation to keep paying their monthly mortgage. When your home burns, you’ll need to live somewhere else. There’s a coverage on your home insurance policy called Loss of Use...

Can my homeowners insurance be cancelled?

Yes. You can be cancelled for many reasons such as….If you have filed a claim (or several claims), haven’t paid your bill, are in a high fire risk area, your home doesn’t show pride of ownership. We hear from dozens of homeowners weekly saying they’ve been with the...

How much fire insurance do I need?

It’s best to contact a local contractor and ask what the average price per square foot is to rebuild in your area. Most average homes cost $150-$250/sq ft to rebuild, but if you live in an area like San Francisco, Beverly Hills, Malibu, Los Gatos…etc., this figure can...