Insurance Insights
Plain-English answers about California insurance. Articles marked AI-drafted were written with AI and are general information only — talk to a licensed agent about your situation.
How do I insure a home I am renting out to tenants in California?
Learn the essentials of insuring a rental property in California, including the types of coverage you may need.
Do I Need Earthquake Insurance If I Own a Home in California?
Learn why homeowners in California should consider earthquake insurance and how it works.
What is the California FAIR Plan and When Would I Need It?
Learn about the California FAIR Plan and when it might be necessary for homeowners seeking fire coverage.
How Does an Experience Modification Rate Change What I Pay for Workers Comp?
Understand how experience modification rates can impact your workers compensation premiums in California.
What Happens if a California Employer is Caught Without Workers Comp?
California employers without workers comp may face severe penalties, including fines and legal consequences.
Is a 1099 Contractor Really Exempt from California Workers Comp?
Understand the complexities of workers comp requirements for 1099 contractors in California.
Why Did My California Homeowners Insurance Get Non-Renewed, and What Are My Options?
Explore reasons for non-renewal of California homeowners insurance and your available options.
Does my California business need workers comp if I only have one part-time employee?
In California the answer is almost always yes, even for a single part-time employee. Here is how the requirement works and what to do next.