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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 responded
- What underwriters are flagging now: electrical panels, plumbing, roof condition, even moss
- Why a claim under your deductible is almost never worth filing
- The California Fair Plan, what it covers, what it doesn't, and the $3M aggregate cap on high value homes
- The rent back insurance trap and how buyers, sellers, and lenders should handle it
- Why documenting your home on video and storing it in the cloud is a non negotiable
Work with Audra Lambert and the Lambert Group Homes team:
Visit the website: https://www.lambertgrouphomes.com
Subscribe on YouTube: https://www.youtube.com/@AudraLambert
Ask Audra a question: https://lambertgrouphomes.com/contact
Grab the free resources and checklists: https://lambertgrouphomes.com/resources
Get matched with a top agent in your area: https://www.lambertgrouphomes.com/agent-referrals
Find out what your home is worth: https://hmbt.co/TaWy3g
Get a quote from Kaelynn Gozony (Comparion Insurance Agency, Irvine, CA | licensed in California, Texas, and Alaska):
Call or text: 949-382-3281
Connect on LinkedIn: https://www.linkedin.com/in/kaelynn-gozony/
Creators and Guests
Host
Audra Lambert
Audra Lambert, a prominent figure in South Orange County's real estate scene, boasts over 20 years of dedicated service to both sellers and buyers in the residential property market. Renowned for her profound market knowledge, dynamic negotiation prowess, and her client service, Audra passionately guides residents of South Orange County in realizing their dreams of selling or acquiring the perfect property tailored to their specifications and lifestyle. Going above and beyond, Audra consistently surpasses client expectations through her infectious enthusiasm, adept negotiation skills, and the ability to foster enduring relationships. Her unmatched professionalism, commitment to excellence, and determination to safeguard clients' interests and privacy contribute to the maintenance of a robust referral base.
Guest
Kaelynn Gozony
My drive to serve the community has led me into the insurance industry at a young age. Why? Because everyone needs insurance and it takes a compassionate person to help others protect and secure the things that matter to them. I can help you protect your: - Home - Auto - Life - Pet - Motorcycle - RV/Trailers - Boat I would love to help you! Kaelynn.Gozony@ComparionInsurance.Com
What is The Audra Lambert Podcast?
Welcome to the Audra Lambert Podcast, where real estate expertise meets authentic conversation. Hosted by Audra Lambert of Lambert Group Homes, this show dives deep into the world of real estate, home ownership, investment strategies, and the stories behind the people who make houses into homes.
Whether you're a first-time homebuyer, a seasoned investor, or simply curious about the real estate market, Audra brings her wealth of knowledge and passion for helping people find their perfect place. Each episode features engaging discussions, expert insights, and practical advice to help you navigate the ever-changing landscape of real estate.
Join Audra as she shares insider tips, interviews industry professionals, and explores the human side of buying, selling, and investing in property. From market trends to home staging secrets, this podcast is your go-to resource for all things real estate.
Connect with Audra and Lambert Group Homes at [www.lambertgrouphomes.com](http://www.lambertgrouphomes.com)