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The FAIR Plan’s 29% Increase Takes Effect 15 October — What to Do First
California approved a 29.1% average FAIR Plan rate increase effective 15 October 2026. What it actually means for your renewal — and why the admitted market reopening matters more than the increase.
San Diego Flood Zones: Which Neighborhoods Need Flood Insurance (and What Lenders Require)
By Aaron Farmer, Principal — CA License #0F09648 “It never rains in San Diego” is exactly why so...
Driving to Mexico from San Diego? Your U.S. Auto Policy Stops at the Border
By Aaron Farmer, Principal — CA License #0F09648 San Ysidro is one of the busiest land border crossings in the...
San Diego Home Insurance in 2026: Wildfire Zones, Non-Renewals, and What We’re Placing Right Now
By Aaron Farmer, Principal — CA License #0F09648 San Diego County has already lived through what the rest of...
California’s Home Insurance Non-Renewal Crisis: What Homeowners Need to Know in 2026
If you've received a non-renewal notice from your home insurance company recently, you're not alone. California's home...
Earthquake Insurance in California 2026: Do You Really Need It?
California sits on some of the most seismically active land in the world. The Hayward Fault, the San Andreas, the...
Wildfire Home Insurance in California 2026: How to Find Coverage and What It Costs
California wildfires have fundamentally reshaped the home insurance market. The devastating fires that have torn...
Rate increases, and non-renewals are the new normal
Homeowners Insurance: Rate increases, and non-renewals are the new normal. In California, the homeowner’s insurance...
Impacts of inflation on Home Insurance
A properly designed home insurance policy provides you with adequate dwelling coverage if you need to rebuild your...
What Type of Insurance is Best for Exotic or High-Value Cars?
If you own an exotic or high-value car, you need a particular type of auto insurance policy to cover it, such as a...
Wildfire Insurance in California
With the devastating wildfires in California over the past few years, many consumers have started to look more closely...