{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"Buying a Home in California? Check Insurance Before You Close","html":"","width":"100%","height":180,"duration":730,"description":"Before you make an offer on a home, you should understand whether it can be insured, how much that insurance may cost, and what property issues could create problems later.\nAaron and Brian Bollinger explain the home insurance questions buyers should ask before closing - especially when purchasing an older, high-value, or wildfire-exposed property in California.\nIn this episode, we discuss:\n- Why insurance starts with the property address and surrounding risk\n- Why a beautiful or recently renovated home may still have insurance concerns\n- What buyers should ask inspectors to document about the roof, plumbing, electrical system, and HVAC\n- Why an older roof or outdated electrical panel can affect coverage\n- Why the current homeowner’s insurance premium may not predict your future premium\n- How prior claims and insurance history can affect pricing and eligibility\n- Why high-value homes may require specialty insurance markets\n- How wildfire exposure, brush clearance, fire protection, and location can affect coverage\n- Why cash buyers still need an insurance contingency\n- What to review before removing financing or inspection contingencies\nA practical pre-closing checklist:\n1. Give the property address to an experienced insurance broker.\n2. Request the full inspection report and documentation for major updates.\n3. Confirm the roof age and whether it qualifies for the coverage you want.\n4. Ask whether the property is eligible for standard, specialty, or FAIR Plan-related coverage.\n5. Get an estimated insurance budget before finalizing the purchase.\nInsurance availability, eligibility, pricing, deductibles, and coverage terms vary by property, carrier, and state. This episode is for general educational purposes and is not a quote, binding coverage decision, or individualized insurance advice.\nLearn more or contact Bollinsure:\nhttps://www.bollinsure.com/\nPhone: 562-COVWELL  \nEmail: quotes@bollinsure.com\nBollinsure Insurance Services  \nCalifornia DOI Agency License #6013787","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}