×
Your C.A.R.

2020 Census

The importance of completing the census survey for REALTORS®.


Housing Affordability Fund

Programs and grants to provide direct assistance to address the housing crisis in California.

Make A Donation to HAF
Rising Star Award

The Rising Star Award program is a C.A.R. initiative designed to work with the brokerage community to recognize their up-and-coming agents.


C.A.R. Disaster Relief

C.A.R. stands ready to assist REALTORS® who have been impacted by wildfires through its Disaster Relief Fund and NAR's REALTORS® Relief Foundation.

California Disaster Resources
Innovators Workshop

Do you have an innovative idea(s) with regards to real estate? Submit your idea(s) for a chance to partner with C.A.R. and transform tomorrow's industry!


Scholarship Foundation

Scholarships for California students planning to pursue a career in real estate.


Education Foundation

Grants for California REALTORS® and residents pursuing real estate education.


Diversity and Inclusion Programs

Find out more information on key diversity and inclusion programs and projects available.

Fair Housing Latinx Professionals Network C.A.R. Women's Initiative
Young Professionals Network

New to the industry? YPN is a network to sharpen your skills, heighten your leadership, and connect with fellow REALTORS®.


Guide to Benefits

As a member of C.A.R., you receive more than 100 free and discounted benefits. Find out more about your member benefits here.

C.A.R. Member Discounts NAR Member Discounts C.A.R. Insurance Products
For New Members

As a new member of C.A.R. you have questions about your benefits and discounts. Find the answers here.

Member FAQs
Consumer Ad Campaign

C.A.R.'s annual consumer advertising campaign creates awareness of the REALTOR® brand and demonstrates the many benefits of the consumer-REALTOR® relationship.

Online Campaign
C.A.R. Mission Statement

C.A.R. is a statewide trade association dedicated to the advancement of professionalism in real estate.

Annual Report
2020 C.A.R. Officers

Meet the 2020 C.A.R. Leadership Team


Media Center

C.A.R.'s Media Center houses the Association's news releases, media guidelines, and logos.

News Releases
Customer Service

Looking for additional assistance? The Customer Contact Center is looking forward to serving you Monday through Friday between the hours of 8:30 a.m. and 4:45 p.m.


For Association Executives

This site is designed to assist you in your profession by providing access to information on events


Careers

C.A.R. and its subsidiaries are currently recruiting for the following job opportunities.


Partner With Us

Partner With Us


Advertise With Us

Learn about advertising with C.A.R.


C.A.R. Services

We are an email, a phone call or a click away. Don't hesitate and reach out to us!


Rosters & Directories

Need help finding the right person? Try searching through our various rosters & directories.


CLOSE

Homeowner Insurance Tips

What is This?
Add a quick link to this page from the Homepage when you are signed in
Share Article

The Top 5 Tips for Homebuyers on How to Find Homeowners Insurance in Fire-Prone Areas

With last year’s devastating California wildfires, it’s getting much harder for homebuyers to find affordable homeowners insurance in fire-prone areas. The result has been significant delays and problems during escrow, or even transactions falling out of escrow altogether. In this challenging insurance market, it is important for homebuyers to be proactive, diligent, and patient. Below are the five top tips for homebuyers in finding insurance:

  1. Plan ahead and seek the assistance of insurance agents – The most important tip is to start shopping for insurance early! It takes time to complete applications and obtain quotes. Insurance agents can make the task easier. When contacting insurance agents, check to see if the agent works exclusively with one insurance company or is an agent who has access to multiple carriers. Keep track of which insurance companies are being contacted by each of the agents you work with, to make sure there is a thorough search of all options. Use this tool from the California Department of Insurance for finding an agent or broker near you.
     
  2. Check for policies written by admitted insurance companies. It is only admitted insurance companies that are backed by the California Insurance Guarantee Association (CIGA). They must file their rates and policy forms with the California Department of Insurance (DOI) and, most importantly, they are part of CIGA, which provides protections if the carrier becomes insolvent. The DOI has a list of admitted insurance companies.
     
  3. Compare the types of coverage and limits, and feel free to ask questions. You can compare the types of coverage and limits using the DOI coverage comparison tool. Also remember to check whether the insurance company will lower the quote for fire hardening (e.g., clearing trees or brush around the perimeter, or having fire-resistant roof materials).
     
  4. Check surplus lines insurance options, if you are unable to obtain coverage through an admitted carrier. Surplus lines (aka “Non-admitted”) carriers do not file their rates and policy forms with the DOI and are not part of CIGA (which means CIGA will not provide protection should these non-admitted carriers become insolvent). However, these carriers often provide more flexible offerings. You should investigate the overall financial strength of the surplus carrier by a service such as A.M. Best to determine whether it offers the best solution.

  5. The Fair Plan is available as a last resort. If there are no other options, you or your insurance agent should contact California FAIR Plan at 1 (800) 339-4099. The FAIR Plan policy can be expensive, and it only covers certain losses caused by fire and smoke. For other perils such as theft and liability, consumers will need to buy Differences in Conditions (DIC) insurance to fill the gaps. List of DIC carriers.


FEEDBACK
Top Searches