{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"Buying a Home in California: Insurance Costs, Roofs and Escrow","html":"","width":"100%","height":180,"duration":1319,"description":"California homebuyers are finding out the hard way that a house you can afford is not always a house you can insure. One surprise quote, one roof issue, or one wildfire-zone restriction can blow up your closing timeline and your monthly payment.\nAaron Bollinger explains why homeowners insurance is becoming a make-or-break part of buying a home in California, especially for buyers already deep into escrow, and what lenders actually need before they approve a loan.\nWhat we cover:\n\nWhy insurance should be part of your home-buying budget from day one\nHow wildfire exposure, roof age, prior claims, and property condition affect eligibility\nWhat California's FAIR Plan is, and why it is often a last resort rather than a full replacement policy\nWhy a roof inspection can change your insurance options\nHow to avoid getting stuck late in a short escrow with no coverage in place\nResources:\n\nAll Speaking of Insurance episodes\nRead the companion guide: California homebuying insurance costs, roofs, and escrow\nBuying a Home in California? Get the Insurance Answer Before You Close\nHome insurance\nCalifornia FAIR Plan\nGet quoted: Compare coverage options with Bollinsure Insurance Services at www.bollinsure.com/quote, or call 562-268-9355. Email quotes@bollinsure.com. California Insurance License #6013787.\nThis episode is for general education only and is not legal, tax, or coverage advice. Coverage, eligibility, and pricing depend on the carrier, underwriting, and your policy terms. Illustrative premium examples in this episode are not quotes. FAIR Plan coverage is not equivalent to a comprehensive homeowners policy. No approval, availability, price, or closing date is guaranteed.","thumbnail_url":"https://img.transistorcdn.com/Kwtahq_FfPLMUz7ez0spP-aXc8k-Jw0pJJEWOhgCwXY/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9iYzVi/Nzc1YjNjOTJiOTBj/NWNiMTNjMTQ5OGY2/MTBkYS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}