What you can do about California’s Insurance as a homeowner?

Join Spencer Hsu, your trusted Bay Area Real Estate expert, as he dives into the complexities of homeowners' insurance in California with industry professionals Aaron from Farmer's Insurance and Richard from Goosehead Insurance. Discover the latest insights on home insurance, deductibles, and strategies to maintain your coverage in a changing landscape. Learn about the true cost of construction vs. market value and how certain improvements may not lower premiums but could be crucial for keeping your policy intact. Perfect for homeowners and buyers alike, this video provides essential advice to safeguard your property. For personalized guidance, reach out to Aaron and Richard using the contact details in the description. Don't miss out-subscribe for more expert real estate insights!
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Spencer Hsu is a Bay Area Real Estate Agent, a Residential, New Home Construction and Relocations specialist with eXp Realty LLC. Serving the entire Bay Area. He aims to help busy professionals in the Bay Area find their dream homes by leveraging tech, data and local insights.
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[@nishiki393]

Nice discussion and a lot of interesting and helpful information guys! Thank you. 🙂

[@SpencerHsu]

Hope it helps!

[@nishiki393]

@@SpencerHsu It does. A lot of great points were made, such as even filing claims that the insurance company ultimately doesn't pay could still strongly affect whether or not they drop you or raise your rates (more likely just drop you!) because dealing with the claim still cost the insurance companies a lot of money regardless. I also like the point about hardening your house against fire and related activities is less about reducing your home insurance rates and much more about just trying to reduce your chances of being dropped. Also the benefits of high minimum deductibles to improve incentives for homeowners and attractiveness to insurers was such a great point. So much more here, these are just a few examples. Great chat!

[@SpencerHsu]

@@nishiki393 Wonderful!