Nadler Insurance
Insurance EducationVideo

5 Tips for California Property Insurance Owners

By Zach Nadler·

Show Notes

Quick summary

California’s property insurance market has changed a lot over the past several years. In this episode, Zach shares five practical tips that can help property owners reduce surprises at renewal and make sure coverage still fits.

Tip 1: Confirm your rebuild cost (not market value)

  • Make sure your dwelling limit reflects reconstruction cost, not the home’s sale price.
  • Review building updates and material/labor inflation.

    • Tip 2: Review your deductibles (including special deductibles)

  • Know your all-peril deductible.
  • Check for separate deductibles that may apply in CA (carrier and location dependent).

    • Tip 3: Identify common gaps and add-ons

  • Flood and earthquake are commonly excluded.
  • Ask about water backup endorsements and any water damage limitations.

    • Tip 4: Inventory and schedule valuables

  • Review special limits for jewelry, art, collectibles.
  • Consider scheduling items when values exceed standard limits.

    • Tip 5: Improve defensibility and document it

  • Home hardening and wildfire defensible space can matter.
  • Keep documentation and photos of updates.

    • Video

  • Watch here: https://youtu.be/1-LejgaFyz4?si=oTRUGs8ismNDTty4

    • Notes