{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"California Home Insurance Non-Renewal? What to Do Before It’s Too Late","html":"","width":"100%","height":180,"duration":1436,"description":"Received a California home insurance non-renewal notice? Don’t wait until your coverage expires to start looking for options.\nAaron and Brian Bollinger explain what homeowners should do when an insurance company decides not to renew their policy, especially in wildfire-exposed areas. They discuss how to act within the notice period, evaluate the market, avoid unnecessary lender-placed insurance, and determine whether a better admitted or specialty-market option may be available.\nIn this episode, we discuss:\nWhy homeowners should act immediately after receiving a non-renewal notice\nHow wildfire exposure, brush, location, property condition, and prior losses affect eligibility\nWhy the California FAIR Plan should generally be treated as a last-resort option\nHow a FAIR Plan policy and Difference in Conditions policy work together\nWhy FAIR Plan coverage may leave gaps in liability, contents, loss of use, and other protections\nThe difference between admitted, non-admitted, and specialty insurance markets\nWhy a current policy may be grandfathered and not available to new customers\nHow roof age, electrical systems, plumbing, permits, and property updates affect underwriting\nWhy lender-placed insurance may protect the mortgage company more than the homeowner\nWhy coverage limits and deductibles must be coordinated carefully\nHow claims history and prior water losses can affect future insurance options\nWhy homeowners should continue reviewing their coverage as new markets become available\nIf your policy is being non-renewed:\nRead the notice carefully and identify the effective cancellation or non-renewal date.\nContact a licensed insurance broker as soon as possible.\nProvide your current policy, non-renewal notice, property details, loss history, and update records.\nCompare admitted, specialty, and FAIR Plan-related options.\nConfirm that your coverage protects you-not only the lender.\nReview dwelling, contents, liability, loss-of-use limits, deductibles, and coverage...","thumbnail_url":"https://img.transistorcdn.com/dHECMWMH7UdDMxVCK6uZsLMFIjvUnSx75gpYwTfdThI/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9jZjYx/ZjA4ZDliODU5MjE5/ZmNkNjc2MGIxNjU1/YmJlYi5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}