Home Insurance 3 articles

Homeowners insurance in California is shaped by wildfire exposure, rebuilding costs, coverage limits, and insurers' willingness to write policies. Nonrenewals, premium changes, exclusions, and deductible choices can alter the protection available to a household. The FAIR Plan and other coverage options raise separate questions about access and affordability. The difference between having a policy and having sufficient protection becomes apparent when a homeowner files a claim.

Housing & Real Estate

October 27, 2026, 9:25 AM · 5 mins read

Insurance dispute leaves Castro Valley homeowner with major repair bill after school district tree falls

A Castro Valley homeowner faced a $51,399 insurance gap after a century-old oak from school district property crashed onto her house, sparking a months-long coverage dispute.

Homeownership Costs

October 26, 2026, 9:20 AM · 5 mins read

Home insurance premiums now surpass property taxes in most US counties

A decade of rising insurance costs has pushed average homeowner premiums above property taxes in two thirds of US counties, with the Southeast facing the steepest increases.

Homeownership Costs

October 26, 2026, 9:09 AM · 3 mins read

Retired couples in Sarasota Bradenton face $78000 annual budget as insurance costs climb

A retired couple in Florida’s Sarasota-Bradenton region may need nearly $78,000 a year to cover living expenses, with homeowners insurance and healthcare making up a major share of the budget.