×
Your C.A.R.

Get Involved

Find out how you can Get Involved with C.A.R's Governmental Affairs program!


Housing Affordability Fund

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

Make A Donation
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.


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.


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.

Who's Your REALTOR®?
C.A.R. Mission Statement

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

Annual Report
2019 C.A.R. Officers

Meet the 2019 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
Tips for Homeowners in Wildfire Zones for Finding or Keeping Fire Insurance

After several years of record-breaking California wildfires, insurance companies have responded by imposing huge premium increases on property owners, or even worse, flat-out denying coverage and canceling policies. All of which has left homeowners with the daunting task of searching for replacement insurance. Below we offer some tips to help property owners find a new insurance plan or to maintain their current one:         

  1. Know Your Rights! The insurance company must notify you in writing, at least 45 days before the policy expiration date, if it will not renew the insurance policy on your home. If you did not receive proper notice, or you believe the non-renewal was unfair, you should contact the California Department of Insurance (DOI) at 1-800-927-HELP or online. There are circumstances when the insurer must renew your policy, including:
    • Your policy may contain a guaranteed renewal provision. Check to see if you have this protection.
    • If you lost your home in a declared disaster, California Insurance Code section 675.1 gives disaster victims the right to a renewal.

       

  2. If you receive notice of a rate increase or non-renewal, contact your insurance company (or have your insurance agent help you) to see if there are fire hardening steps you can take to change the company’s decision.Your local fire department may be able to help through a brush clearing assistance program or might recommend other ways to reduce fire risk.
     
  3. Start shopping for insurance early! 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.
     
  4. 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.
     
  5. Make sure you are not underinsured. Check whether the policy will cover the likely cost to rebuild your home in compliance with current building codes.You should consider insuring your property for Replacement Cost Value, not just depreciated Actual Cash Value.
     
  6. 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. Policies contain limits and exclusions.You may need to ask your insurance agent questions, including: Will this policy be adequate to cover the cost of rebuilding my home to its pre-loss condition? Does it cover demolition and debris removal? Is there a coverage limit on my temporary rent and expenses (Additional Living Expenses) while my home is being repaired or rebuilt? Are my home-based business property and operations covered? What causes of loss are not covered?
     
  7. 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.
     
  8. 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. Here is a list of DIC carriers.

 


FEEDBACK
Top Searches