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Update ON FIRE INSURANCE IN WILDFIRE AREAS JAN 11 2026

 

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Nevada County, and indeed more than a few counties in California escaped from a significant wildfire event in 2025. Not to say we were totally fire free, but a 10,000-structure destruction we didn’t see. 131,000 acres of mostly uninhabited land were destroyed in the Gifford Fire in San Luis Obispo County, destroying only a handful of structures but that was good news compared to what we have seen in the past.

That said, fire insurance rates continue to climb, with our insurance office still getting calls from irate homeowners complaining about higher rates upon renewal.

There is some good news in the insurance arena. Where a year back or so it was difficult to get a lot of competitive quotes on the liability policies, known as a Difference in Conditions Policy (DIC) which piggyback on the California Fair Plan’s (CFP). CFP fire policies are limited in the things they cover, hence the need for the DIC companion policies.  

Some insurance companies, albeit only a handful, are back to writing, or are still writing HO3 policies, and that number seems to be picking up a bit.

HO3 policies are the plans that most of us used to have that cover all perils without having to use the CFP.

The complaint about CFP was that premiums were high and adding in the DIC policy to get complete coverage only added to the expense.

Also having two policies opened up the possibility that there would be some grey areas between the two and an argument about what company covered what might ensue. In my opinion, there is really only one area of overlap that might be contended by either CFP or the DIC policy and that area is if a tree or similar object hits your house. Since the DIC covers falling objects and CFP covers windblown damage, I saw more than one example of this arguable offense. A tree came down in my yard and hit something, and when I called my DIC company, they told me to go to CFP as they thought the wind caused the tree to fall. CFP, being no dummies, looked up the wind history of that day and there was no such wind. I went back to my DIC company and they capitulated and paid the claim. Not so with a friend of mine who went through the same exercise, except when he called the DIC company the second time to give them CFP’s wind history, the DIC company claimed, “Act of God” and denied the claim.

Goes to show not all is cut and dry when it comes to insurance and obviously some companies are better than others.

In any case, having one policy eliminates that possibility of conflict and the one type of policy that covers all common perils is the HO3 policy.

Getting an HO3 may help solve the potential conflict between having two policies but may not necessarily mean it will be cheaper.

Indeed, I have seen more than once an HO3 premium higher than having both a DIC and a CFP.

It’s a case-by-case situation for sure, but at least I am seeing a bit of movement by a handful of companies wandering into the HO3 markets once again. Even some of the companies that have mass cancelled policies seem to make an exception here or there. You just never know.

In conclusion, I think some insurance agents might buzz me and complain to me that you all started shopping again because of today’s musing and that just adds to the workload of all of us in the business. But hey, now you know the rest of the story, and if that allows but even of few you to save a few bucks, I don’t see the harm in it.

 

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(As mentioned please use the below disclaimer exactly) THANKS   (Regulations)    

This article expresses the opinion of Marc Cuniberti and is not meant as investment advice, or a recommendation to buy or sell any securities, nor represents the opinion of any bank, investment firm or RIA, nor this media outlet, its staff, members or underwriters. Mr. Cuniberti holds a B.A. in Economics with honors, 1979, and California Insurance License #0L34249 His insurance agency is BAP INC. insurance services.  Email: news@moneymanagementradio.com

 

 

 

 

 

 

 

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Marc Cuniberti (530)272-2298 Cell (530) 559-1214 Bay Area Process, Inc. encompasses all business related communications and all communique should be regarded as coming from the corporation of Bay Area Process Inc. Pumps, parts, systems. Open 24 hours, 365 days/ week. (800) 326 4039 FAX (530) 272 2753 MEMBER- KVMR FM RADIO 89.5/105.1 FM and on affiliated stations nationwide on PRX and Audioport Money Matters Economic Commentary and News Publications. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the `system` manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited. California Insurance #0L34249. Insurance customers. Please read: No warranty is made as to the adequacy of any insurance quoted coverages or otherwise. Coverage acceptance is left up to the customer to determine if limits are sufficient.
 

 

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Insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably. I have access to a variety of insurance products that can help meet your security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

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A Word about Life insurance:

In the event of death, life insurance may offer surviving family members financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

 

The advantages of life insurance include:

An instant estate for your loved ones at a time when funds are most needed

  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

Long-term Care, Disability and Critical Illness insurance, Lifetime income strategies and Medicare:

Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.

Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.

Questions about Medicare? 

I can help navigage the programs.

I can also help you choose the long-term care and disability insurance products that provide advantages like:

  • May assist in transfer of assets. 
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  • Support the buy-out of a disabled partner’s share of a business.

Critical illness insurance and Medicare Policies

Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.

The advantages of critical illness insurance can include:

  • Coverage for up to 22 critical illnesses or conditions
  • An initial lump-sum benefit you can use however you wish—from making mortgage payments to seeking medical treatment outside Canada
  • Home-care costs during illness and recovery periods
  • Even if you’re not disabled from working, you may receive payment
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  • Medicare Policies and information. Let me walk you through the best options for your situation

Contact me today to determine whether critical illness insurance fits into your financial security plan.

 

There are also new “hybrid” plans available that combine the benefits of life insurance or annuities with long term care coverage and at a cost that may be more affordable than you think. Contact me today so we can assess your needs and develop the best strategies for your specific situation to give you the peace of mind you require and protect your family and loved ones.

 

Mark (Marc) Cuniberti- California Department of Insurance License # OL34249

 

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