{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"5 Questions California Homeowners Must Ask Before Renewing Insurance","html":"","width":"100%","height":180,"duration":904,"description":"Before renewing your California homeowners insurance, make sure your coverage reflects the home you actually have, not just its market value. In this episode of Speaking of Insurance by Bollinsure Insurance Services, Aaron Bollinger explains how to review your dwelling limit, replacement cost estimate, and policy details so you can better understand whether your home is protected.\n\nLearn why market value and rebuilding cost are different, how square footage, construction details, and upgrades affect replacement cost, and what to look for in extended replacement cost and guaranteed replacement cost coverage. The episode also covers ordinance or law coverage, loss of use, debris removal, deductibles, exclusions, and water damage limits.\n\nIn this episode, we cover:\nWhy your home’s purchase price may not reflect its rebuilding cost\nWhat can make a replacement cost estimate inaccurate\nHow remodels and finish upgrades affect coverage needs\nWhat extended and guaranteed replacement cost coverage mean\nWhy building-code upgrades, loss of use, and debris removal matter\nHow deductibles, exclusions, and water damage limits can affect a claim\nWhat questions to ask your broker when reviewing a policy\nWhy comparing insurance quotes by premium alone can be misleading\nWhether you’re renewing your policy or comparing home insurance quotes, this episode offers a practical framework for checking whether your coverage aligns with your home and its rebuilding needs.\n\nAt Bollinsure, we believe insurance should help people understand their risks and make informed decisions about protecting what matters.\n\nSpeaking of Insurance is hosted by Aaron Bollinger and Brian Bollinger of Bollinsure Insurance Services.\n\nLearn more or request an insurance review:\nBollinsure Insurance Services\n562-268-9355\nquotes@bollinsure.com\nCalifornia Insurance License #6013787\n\nEpisode transcript and related reading\nEpisode transcript on Bollinsure\nCalifornia Home Insurance Deductibles and Premium Tradeoffs","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}