Home Insurance in California : Questions & Answers

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Heidi Marche…, Real Estate Pro in 94618
Heidi Marchesotti answered:
What is the approximate cost per square foot to build a house in Upper Rockridge, Oakland, CA?
Depending on the quality and contract with your builder, there is a large range. If you are building for spec in partnership with a builder, then you share profits at the end and the c ... more
0 votes Share Flag Tue Apr 21, 2015 Home Insurance in Oakland
Kelsey Compa…, Home Buyer in Provo, UT
Kelsey Compars answered:
Does insurance cover stolen Air-conditioner in a rental unit?
That is a great question and it sounds like something you should ask your insurance provider. I would assume that it would be covered even in a rental. However you could even speak with ... more
0 votes Share Flag Fri Apr 17, 2015 Home Insurance in 95823
Michelle Har…, Real Estate Pro in Tampa, FL
Michelle Harris answered:
Is property insurance required for a condo unit, even though the Condo has a Master Insurance?


• 100 % VA Condo Mortgage Loans Down to a 550 fico!

• 96.5% LTV on ... more
0 votes Share Flag Thu Apr 9, 2015 Home Insurance in 94107
Alex Khalili…, Real Estate Pro in 91367
Alex Khalilifard answered:
Are owners of a condo required to have homeowners insurance?
Hello Lafter,

It is not a requirement but I would highly (and always) recommend it to my clients.

Thank you

Alex Khalilifard | Realtor - General Contractor
BRE License # ... more
0 votes Share Flag Fri Mar 20, 2015 Home Insurance in 91316
Jackson Will…, Home Buyer in Provo, UT
Jackson Willis answered:
recently gusty winds damaged the wooden fence of my house in SF. Is the damage covered by Home Owner's Insurance Policy as an standard loss?.?
It can be really difficult sometimes to get this kind of thing figured out. You should check any insurance documents that you have. If you can't find the information there, you should t ... more
0 votes Share Flag Tue Feb 24, 2015 Home Insurance in 94110
Elizabeth Bo…, Real Estate Pro in Cambridge, MA
Elizabeth Bolton answered:
I live in a 2-home "condo association" (it's for zoning purposes only; there are no common walls). What % of the HOA insurance should each home pay?
In my state when a condominium association is established the condo docs (master deed and declaration of trust) establish each owner's percentage of ownership. All shared costs - bill ... more
0 votes Share Flag Sun Jan 18, 2015 Home Insurance in Newport Beach
Josh Barnett, Real Estate Pro in Oklahoma City, OK
Josh Barnett answered:
Are there any special considerations I need to keep in mind when getting insurance for a mountain home?
Cost and Coverage, be sure to compare and ask lots of questions.
0 votes Share Flag Fri Jan 9, 2015 Home Insurance in Mountain House
Siberiancrush, Home Buyer in Laguna Niguel, CA
Siberiancrush answered:
How much would home owners insurance cost in Orange County California cost?
in general we insure homes in the Southern California area from $150 per square foot to $200 per square foot. Homes that are more customized will normally be insured for $200 per square ... more
0 votes Share Flag Thu Dec 11, 2014 Home Insurance in Orange County
Inna Ivchenko, Real Estate Pro in Encino, CA
Inna Ivchenko answered:
Can an Insurance Company Cancel your policy with one Homeowner claim within the past 11 years? Is that correct or ethical?
I don't know if it is legal, but it is definitely unethical. Unfortunately, I heard such complains too:( That's why it is important to read your contract while you sign it.
0 votes Share Flag Sun Nov 23, 2014 Home Insurance in Encino
Jim Olive, Real Estate Pro in Key West, FL
Jim Olive answered:
Does AAA require buying roadside assistance membership for H06?
I would ask first...what does AAA have to do with property insurance?? I'm surprised to hear they even offer HO6. I'm not surprised, though, that since they do, they only provide it t ... more
0 votes Share Flag Fri Sep 19, 2014 Home Insurance in Santa Clara County
Ruth & P…, Real Estate Pro in 95030
Ruth & Perry Mistry answered:
Home warranty company refusing to fix/replace AC. What can I do?
Hi Imc

Glad it all worked out. Enjoy your home.

Best regards
0 votes Share Flag Fri Sep 12, 2014 Home Insurance in Tracy
Larry Hodel, Real Estate Pro in 91709
Larry Hodel answered:
What to do about pre-existing pest (bee) problem?
Make sure the pest control company handles removing bee hives...many do not.
0 votes Share Flag Thu Sep 4, 2014 Home Insurance in 91709
Garrigus Real…, Real Estate Pro in Beaumont, CA
Garrigus Real Estate Group answered:
how much would i pay yearly for homeowners insurance for a house worth$ 77000?
There are so many different insurance companies with a variety of competitive rates. We have an in house insurance brokerage. Contact us directly and we can refer to them to you.
0 votes Share Flag Tue Aug 19, 2014 Home Insurance in Beaumont
Brad Korb, Real Estate Pro in Burbank, CA
Brad Korb answered:
Hey Guys, I'm a little confused about buying home/condo owners insurance.
Hi Kevin ,

Happy Wednesday Again !

You should always have an owners policy to protect you in case some one slips & fell inside the unit or in case the building burned down you wo ... more
0 votes Share Flag Wed Jun 4, 2014 Home Insurance in Los Angeles
Brad Korb, Real Estate Pro in Burbank, CA
Brad Korb answered:
Is it a good Idea to have the person you are renting to get renters insurance before they move in?
Hi Kevin,

Happy Wednesday !

It would be hard to force a tenant to get insurance after the fact ,you can always get some information on a tenant policy from your insurance company ... more
1 vote Share Flag Wed Jun 4, 2014 Home Insurance in Los Angeles
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
In Calif - got repairs done cheaper than my insurance company paid for damages, do I have to give the extra money back to the insurance company?
This is a question you need to ask your insurance company - not a Realto!

Take care.
0 votes Share Flag Thu May 29, 2014 Home Insurance in 93257
Kent Turansky, Home Owner in 92344
Kent Turansky answered:
what is average cost of home insurance?

According to the Federal Reserve Bureau, the average cost of an annual premium for homeowners insurance is between $300 and $1,000. For most homeowners, the annual costs for a ... more
0 votes Share Flag Tue May 13, 2014 Home Insurance in Guerneville
Jeff Marr, Real Estate Pro in Folsom, CA
Jeff Marr answered:
On MSN Real Estate there is a discussion going on about PMI and MI. The question is what does it cover? Do it cover the whole loan or only the 20%?
Akwidaa - when we write a mortgage insurance policy, there's a coverage factor involved, typically between 17-40%. The coverage is the percentage of the loan the lender will recover sho ... more
0 votes Share Flag Sun Feb 9, 2014 Home Insurance in Sacramento
sarah, Home Buyer in Temecula, CA
sarah answered:
Need advice/help with my dilemma. Looking at moving to beautiful De Luz, Temecula. When checking on homeowners insurance I cant find ANY companies so?
Thank you very much for all the information and advice. I located a resident in nearby La Cresta who told me who they use. So for anyone looking in the future I found that these insuran ... more
1 vote Share Flag Wed Feb 5, 2014 Home Insurance in Temecula
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