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Insurance tips for California homeowners.

Plain-English guides on home insurance, non-renewals, the FAIR Plan and closing on a home. General information, not legal advice.

Home buyers

Buying a home? When to line up insurance before closing

Your lender needs proof of insurance before your Closing Disclosure goes out. Here’s when to start, what to send, and how to avoid a last-minute delay.

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Hard-to-insure homes

FAIR Plan + DIC: how the two-policy setup works

The California FAIR Plan covers fire, but not theft, water damage or liability. A Difference in Conditions policy fills those gaps. Here’s how the two fit together.

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Homeowners

Got a non-renewal notice? Here’s what to do next

California insurers must give you at least 75 days’ notice before they non-renew a home policy. Here’s how to use that time so your coverage never lapses.

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