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In 1997 I was able to move to the greater North Lake Tahoe-Truckee area and call Tahoe City my home!
Living in the Tahoe area over the past twenty-plus years has been an amazing experience, however, things have changed when it comes to homeowner insurance.
Not everyone understands the challenges of getting homeowner fire insurance and making sure that you have the coverage you need in a high-fire zone like the greater Tahoe area.
Properties located in the California high-fire zone areas have seen things drastically change, from getting new coverage to non-renewals, and cancellations.
Understanding that the Tahoe area has special needs is the first step in finding those insurance solutions for both full-time homeowners and second homeowners.
I personally understand what it is like to have your homeowner's insurance policy canceled and how frustrating it can be to find someone to talk to who understands that there may not be a traditional insurance solution out there for you.
For many, like myself, the California Fair Plan may be your only option for fire coverage. It is the plan that I personally have for my home, so when you call, know that you are talking to someone who has personal experience in getting insurance in the Tahoe area.
At our agency, we specialize in working in the high-fire zone areas, and we can help you understand your options, including getting you the California Fair Plan if that is your only option.
We can also help you understand how that plan works, and why you will also need a DIC (Differences In Conditions) plan to go with the California Fair Plan that only covers Fire, Internal Explosion, and Lighting as perils.
Making sure you have enough coverage and understanding the increases in the cost to re-build, are part of figuring out how much coverage is appropriate for your situation. You’ll learn that the age of the roof has a significant impact on how the policies work.
Perhaps you are a second homeowner and you are looking for short-term vacation rental insurance coverage. Again, we have insurance options for you in the Tahoe market.
As your local Farmers® agent in Tahoe City, CA, our philosophy is to take the time to answer your questions and then find solutions. We want to take the stress out of the insurance buying process for you.
We believe that when you are informed about your insurance coverage options, you’ll be in a better position to make your insurance policy selection.
Whether that is coverage for a Home, Second Home, Auto, the need for an Umbrella policy, special policies like Short-term Vacation Rental coverage for Owners, Renters, Life Insurance, Commercial, Business Insurance, Motorcycle, Boat, and/or Pet Insurance. Give us a call anytime– weekdays, Saturday, Sunday and evenings, at (530) 414-4123 and we are happy to answer any questions you might have.
There are also ways to try to save you money with multi-line discounts. While our local office is located in Tahoe City, we do write policies throughout the state of California, so we can simplify things for you by covering all of your insurance needs.
Give me a call at (530) 414-4123 and I'll be happy to answer any questions you might have.
Languages Spoken: English
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