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How much does fire insurance cost in California?

Fire insurance can range in pricing drastically. This is like asking how much is car insurance….what kind of car do you have? How old are you? Do you have any DUIs, tickets or accidents? How many miles a year do you drive? Full coverage or liability only?…etc. Home...

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 This may be because of outdated wiring, old/worn roof, plumbing, or other old construction that no longer meets building codes, or because the building has become run...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...