What Insurance Companies Do Not Tell Homeowners in Southern California

I spent years in the lending space before I focused on real estate. That background taught me a lot about the financial products that surround homeownership and how they are sold versus how they actually work.

Insurance is one area where Southern California homeowners are consistently underserved.

The coverage that most people have was set up when they bought the home and has not been reviewed since. Meanwhile the cost to rebuild has gone up significantly. Material costs, labor costs, the general inflation that has hit construction across the board. The policy that covered a rebuild ten years ago may not cover it today.

I am not an insurance agent. I am not selling anything here. But I have seen transactions complicated by insurance gaps that nobody saw coming because nobody had the conversation.

Before you sell, before you refinance, before you make any major decision about your property, it is worth understanding what your coverage actually says. Not what you were told it said when you signed up. What it actually says today.

If you want to talk through what questions to ask your insurance provider about your Southern California property, I am happy to point you in the right direction.

Shane Nasu DRE 01752923 (714) 926-9190 shane@shanenasu.com