{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"The Audra Lambert Podcast","title":"Why Home Insurance Got So Expensive in California, with Kaelynn Gozony of Comparion Insurance","html":"","width":"100%","height":180,"duration":1672,"description":"If your home insurance premium has doubled, tripled, or you can't even get a policy, you are not alone, and you are not crazy. I brought in Kaelynn Gozony, the insurance broker I personally send all my clients to, to explain exactly what is happening in the California market right now and what to do about it.Kaelynn has been in insurance for 11 years and works with about 15 different carriers through Comparion Insurance Agency. We talk about why premiums exploded after the 3 year rate freeze, what underwriters are actually inspecting after closing, why filing a small claim can quietly cost you for the next 5 years, and how the California Fair Plan really works. We also get into the rent back insurance problem that can blow up a deal if nobody is paying attention.Key takeaways:Why California premiums climbed so fast after the 3 year rate freeze and how major carriers respondedWhat underwriters are flagging now: electrical panels, plumbing, roof condition, even mossWhy a claim under your deductible is almost never worth filingThe California Fair Plan, what it covers, what it doesn't, and the $3M aggregate cap on high value homesThe rent back insurance trap and how buyers, sellers, and lenders should handle itWhy documenting your home on video and storing it in the cloud is a non negotiableWork with Audra Lambert and the Lambert Group Homes team:Visit the website: https://www.lambertgrouphomes.comSubscribe on YouTube: https://www.youtube.com/@AudraLambertAsk Audra a question: https://lambertgrouphomes.com/contactGrab the free resources and checklists: https://lambertgrouphomes.com/resourcesGet matched with a top agent in your area: https://www.lambertgrouphomes.com/agent-referralsFind out what your home is worth: https://hmbt.co/TaWy3gGet a quote from Kaelynn Gozony (Comparion Insurance Agency, Irvine, CA | licensed in California, Texas, and Alaska):Call or text: 949-382-3281Email: Kaelynn.Gozony@ComparionInsurance.comRequest a quote:...","thumbnail_url":"https://img.transistorcdn.com/aFJpnUpVWv1-3uMs07cszSrxbnFo35fu4YBPx4jER2I/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8xOWE3/MTc0NTUyZDA1ZTBi/ODkzZjFmYTM1NzU5/ZGM3YS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}