California homebuyers are finding out the hard way that a house you can afford is not always a house you can insure. One surprise quote, one roof issue, or one wildfire-zone restriction can blow up your closing timeline and your monthly payment.

Aaron Bollinger breaks down why homeowners insurance is becoming a make-or-break part of buying a home in California, especially for buyers who are already deep into escrow. He explains how insurance costs can jump from an expected $200 a month to $600 a month, why two nearly identical homes can have completely different insurability, and what lenders actually care about before they approve your loan.

You’ll discover:

• Why insurance should be part of your home-buying budget from day one
• How wildfire exposure, roof age, prior claims, and property condition affect eligibility
• What California’s FAIR Plan is, and why it is often a last resort rather than a full replacement policy
• Why a roof inspection can change your insurance options
• How to avoid getting stuck at day 27 of a 30-day escrow with no coverage in place

Aaron also shares the five questions every California buyer should ask before removing contingencies, including whether the property is actually insurable, how much the full policy will cost, and whether the coverage satisfies lender requirements. If you are shopping for a home, condo, townhouse, or investment property in California, this episode could save you from a very expensive mistake. Essential listening if you want to understand the real cost of owning a home in California before you sign the papers.

At Bollinsure Insurance Services, we believe insurance should be an active part of protecting your financial future, not just a bill you pay once a year.

Speaking of Insurance is hosted by Aaron Bollinger and Brian Bollinger of Bollinsure Insurance Services.

Learn more or request an insurance review:
Bollinsure Insurance Services
562-268-9355
quotes@bollinsure.com
California Insurance License #6013787

• (00:00) - Insurance and a California home purchase
• (02:18) - Premiums and the housing budget
• (04:04) - Property and underwriting questions
• (06:23) - FAIR Plan and lender considerations
• (08:41) - Roof condition and inspections
• (11:00) - Start before the closing deadline
• (13:35) - Information to bring to a broker
• (18:43) - Five homebuyer questions
• (20:11) - Closing takeaways

Click here to view the episode transcript.