Buyer's toolkit
Resources
Plain-English guides to home insurance for California buyers — start anywhere.
What is the California FAIR Plan — and do you need it?
If insurers keep turning down the home you're buying, the FAIR Plan may be your backstop. Here's what it is, what it covers, and how buyers actually use it.
When does home insurance come into play when you're buying?
Most first-time buyers don't realize insurance has a specific moment in the timeline. Here's exactly when it matters, so it never holds up your closing.
What your lender requires before closing — and where insurance fits
Your mortgage lender has a short list of insurance boxes that must be checked before they'll fund your loan. Here's what they are and how to clear them without stress.
What you need to get a home-insurance quote (and how to get one fast)
Getting a quote is quicker than most buyers expect. Here's the short list of what to have handy so you can get a real number in minutes.
How much home insurance do I actually need?
Not the price you paid, not a random round number. Here's how to think about coverage amounts so you're not under- or over-insured.
How wildfire risk scores work — and why they matter before you buy
In much of California, a property's wildfire score quietly decides whether you can get insurance and what it costs. Here's what the number means and how to check it before you make an offer.
The home you're buying has an insurance history — here's how to check it
Before you fall in love with a house, know this: its past insurance claims can affect whether you can get covered and what you'll pay. Here's how to check.