Home Insurance in California : Real Estate Advice

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Larry Hodel, Real Estate Pro in Chino Hills, CA
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
Todd & Devona…, Real Estate Pro in Palm Springs, CA
Todd & Devona Garrigus 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 Roseville, 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
The Medford…, Real Estate Pro in Fremont, CA
The Medford Team answered:
Just bought my house and got earthquake insurance - I am from NYC and not used to living in an earthquake area. Is this worthwhile?
In my opinion, you would be better advised taking the amount you are paying for premiums and investing it in seismic retrofitting. The area you live in is flat - if you were in the hill ... more
0 votes Share Flag Sun Dec 29, 2013 Home Insurance in Castro Valley
JR Thrasher, Real Estate Pro in San Diego, CA
JR Thrasher answered:
Are "inactive" HOAs required to carry master policy insurance for the common area?
You would have to formally dissolve the HOA, which is probably not a good idea as you have an "undivided interest" with the other owner. You are trying to save a couple of $$$ but it co ... more
0 votes Share Flag Tue Nov 12, 2013 Home Insurance in 90278
michellelong…,  in Corona, CA
michellelongnaker answered:
Question about homeowner's insurance
That would be a great question to ask your real estate agent that sold you your home. They should be able to give you some suggestions.
0 votes Share Flag Tue Oct 29, 2013 Home Insurance in 90210
Eileen Bermi…, Real Estate Pro in San Francisco, CA
Eileen Bermingham answered:
Is it worth buying earthquake insurance for a single family residence?
Hi Katherine--Your question is one of the most commonly asked in San Francisco real estate circles. As a result, I wrote a blog post that I run on a regular basis, just to keep buyers & ... more
0 votes Share Flag Sat Oct 19, 2013 Home Insurance in San Francisco
Myra Tran, Real Estate Pro in Daly City, CA
Myra Tran answered:
How do I find out what year our house was built? It is 839 York St, Oakland, CA 94610.
Using public real estate website or go to City of Oakland/Building & Permit Department will give you full detail of your home.
0 votes Share Flag Fri Sep 6, 2013 Home Insurance in 94610
David Rudd, Real Estate Pro in San Diego, CA
David Rudd answered:
Home owners insurance coverage
Great answers below - really like Mary Lawler's, but to confirm/add:

The Insurance company should provide you with some answers:

"Why" they will not provide coverage
"When" they ... more
0 votes Share Flag Tue Jul 30, 2013 Home Insurance in 92127
Teri Andrews…, Real Estate Pro in Auburn, CA
Teri Andrews-Murch answered:
Ahs flex plan combo- is it legitimate
I've had a lot of buyers and sellers use that plan, overall they've been happy, and if there has been problems usually the sales rep was able to resolve. I've attached a link to their ... more
0 votes Share Flag Thu Jul 25, 2013 Home Insurance in Sacramento
Luca and Ali…, Real Estate Pro in Olympic Valley, CA
Luca and Alisa Adriani answered:
I have found that my recent home purchase had some major remodeling completed without permits or disclosures in the sale.
Contact your agent first and then contacting a lawyer might be necessary as well.
0 votes Share Flag Sun Jul 14, 2013 Home Insurance in 96161
Renee Tinsley, Real Estate Pro in Springboro, OH
Renee Tinsley answered:
i have just been dropped from my insurance company for too many claims and i'm having a problem getting insured. any suggestions on companies?
Typically, when a homeowner has too many claims, brokers will not insure you. However, there are alternatives. As long as you have been turned away by two or more insurance companies, ... more
0 votes Share Flag Wed Jun 26, 2013 Home Insurance in Los Angeles
Emmanuel Lat…, Real Estate Pro in Long Beach, CA
Emmanuel Lateju Sr. answered:
What should a home owner in Long Beach look for in a new home owners insurance policy?
Consult your Insurance agent or insurance company regarding regarding questions about Homeowners Insurance. A Home Owners Insurance Policy is designed to protect home owners against cer ... more
0 votes Share Flag Sun Jun 2, 2013 Home Insurance in Long Beach
Cheryl Fowlk…, Real Estate Pro in Cuero, TX
Cheryl Fowlkes answered:
Can anyone recommend a good home warranty company and steer me away from those that aren't good?
Fidelity home warranty is great..
0 votes Share Flag Wed May 22, 2013 Home Insurance in Rancho Santa Margarita
Henry, Home Buyer in South San Francisco,...
Henry answered:
Picking home owner insurance, SSF, CA.
A question that they all ask is how much will it cost to rebuild your home entirely. How do you determine this. Do we just give them a ball park figure on what we think it'll cost?
0 votes Share Flag Tue May 7, 2013 Home Insurance in 94080
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