Nadler Insurance
Insurance EducationVideo

5 Tips for California Property Insurance Owners

By Zach Nadler·

Show Notes

Growing Up Covered Insight

Growing Up Covered Insight

Blog post draft (from video)

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