01/13/2026
Buying a home in California means thinking beyond the offer price. I am experiencing this myself as I shop homeowners insurance for my own home.
With wildfire risk, rising rebuild costs, and fewer insurers in the market, coverage is harder and more expensive to secure. Going through this personally has shown me how much a home’s details can affect insurance options and costs.
The good news is that buyers who plan ahead can reduce risk through home safety upgrades, available discounts, and backup options like the California FAIR Plan. The California Association of REALTORS® has helpful consumer resources if you want to learn more:
[https://www.car.org/knowledge/homeinsurance/consumers](https://www.car.org/knowledge/homeinsurance/consumers)
As a REALTOR®, I talk about insurance early so my clients can write offers with confidence and avoid surprises. If you are planning to buy, let’s make a smart plan together.
