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What a non-renewal letter actually means
The difference between non-renewal and cancellation, where to find your real deadline, and the two things worth doing this week.
Home › Videos
The answers, on camera, so you don't have to book a call to get them.
When a client asks a good question, I answer it here. Free, no email required, and no pitch at the end. If a video raises a question it doesn't answer, that's what the contact form is for.
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FAIR Plan and DIC, explained with one house
Why a fire-only policy leaves you without liability coverage, and how the companion policy fills the gap.
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Renting your place during festival season
Why your homeowners policy probably excludes it, and what actually covers a short-term rental.
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Your dwelling limit is probably wrong
Rebuild cost versus market value, and why a number set six years ago doesn't hold up.
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The empty-house problem
Vacancy and unoccupancy provisions, and what they mean for a home that sits empty all summer.
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Where the HOA policy stops
Reading your CC&Rs to find the line between the master policy and your HO-6.
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Wildfire mitigation that actually counts
Which items carriers weigh, and which ones cost money without moving the needle much.
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Certificates of insurance, demystified
What your client is really asking for, and why additional insured wording matters more than the certificate.
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Why your work truck needs a different policy
The business-use exclusion, and the claim denial that follows it.
These are placeholders
In the real version each frame above is an embedded video. The titles reflect the questions I actually get asked most; the embeds go in when the videos are made.
Got a question that isn't here?
Send it. If it's a question more than one person has, I'll probably make a video about it, and you'll get an answer either way.