Resources
Articles, guides, and the occasional warning
Plain-English insurance writing focused on the realities of living and doing business on California's Central Coast. Wildfire, earthquake, the FAIR Plan, life insurance, and the questions our clients actually ask.
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April 26, 2026
California FAIR Plan for SLO homeowners: when you need it, what it covers, and what to layer on top
Got a non-renewal letter? The FAIR Plan is California's coverage of last resort. Here's what it covers, what it doesn't, and how a wraparound DIC policy gets you back to standard coverage.
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April 26, 2026
Earthquake insurance on the Central Coast: what to know before you need it
Earthquake is excluded from standard homeowners. Here's how the CEA, the private market, and the bundle-with-auto discount actually work for SLO County homes.
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April 26, 2026
Buying life insurance while you're young and healthy (and why some parents start policies for their kids)
Premium pricing rewards age and health. Here's why buying life insurance young is dramatically cheaper, why insurability is the part most people overlook, and when juvenile policies for kids actually make sense.
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