3 minute readCalifornia Insurance
Once a year at minimum, plus after any life change: a move, a renovation, a marriage or divorce, a new driver, a new business, a new vehicle, or a premium increase. Reviews take fifteen minutes and are where nearly every gap we find gets caught.
What you need to know
The annual pass
Limits, deductibles, drivers, valuables, liability, and umbrella — in that order.
Event-driven reviews
Anything that changes what you own, who drives, or where you live changes the right structure.
Bring your declarations pages
That single document tells us most of what a review needs to know.
Common mistakes
- Assuming a non-renewal means you did something wrong.
- Accepting a FAIR Plan policy without a difference-in-conditions wrap.
- Skipping mitigation work that affects eligibility and pricing.
- Never rechecking the admitted market after being placed in a surplus-lines policy.
- Leaving loss of use limits too thin for a long California rebuild.
When to talk to an agent
Talk to an agent as soon as you receive a non-renewal notice, when your renewal price jumps, or when you are being told the FAIR Plan is your only option — there are usually more options than one carrier can see.
Frequently asked
This article is general information, not a policy or a promise of coverage. What your policy pays depends on its specific terms, limits and exclusions. Ask us to review your actual policy before making a decision.