Clients often think they don’t need renters insurance — “Nothing I have is worth that much,” they’ll say, or “I don’t have a lot of stuff.” That’s how most people think of renter’s coverage: protection for stuff, and nothing more. Well, when you consider how cheap tenant insurance is, it makes it a no brainer to purchase.  So how important can it be, especially if you don’t think you have anything valuable to protect?

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Home Insurance in High Fire Risk Areas

The 2020 fire season in California resulted in a year of record-setting wildfires that burned across the entire state. With over 9,600 fires and 4 million acres burned, 2020 ended as the largest wildfire season in California’s modern history. The result, home insurance in high fire risk areas has now become extremely difficult for properties owner to obtain.

5 of the 6 largest wildfires in Californias history occurred just in 2020. What does this mean for homeowners in California? As mentioned in a previous article, hundreds of thousands of homeowners have had their homeowners insurance non-renewed or canceled as a result of the recent fire seasons. The aftermath of the 2020 fire season will most likely lead to a significant increase in homeowners facing the exact same problem.

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What is the California Fair Plan?

The California Fair Plan is an insurance pool made up of all the insurers who are admitted to write property insurance in California. The California Fair plan was created as a last resort insurance option for customers who can not obtain insurance with an admitted carrier.

Created in 1968, the California Fair Plan is not a state agency and does not have any taxpayer money or public funding involved in financing the California Fair Plan. So how does the Fair plan stay financially solvent? If the Fair plan does not have enough capital to cover claims and expenses they will access the member companies to cover those costs. As I mentioned above, all licensed insurers that write property insurance in California are member companies of the Fair Plan. Companies like Nationwide, Safeco, State Farm, Allstate, etc.

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Recently, two very important acts regarding California Workers Compensation and COVID-19 were signed into law.

SB 1159

On September 17th, 2020 Gavin Newsome signed into law Senate Bill 1159, which creates three statues in regards to workers compensation benefits for COVID-19 claims.

  • This new law now includes illness or death resulting from COVID-19, under specified circumstances, as an “occupational injury” and is eligible for workers compensation benefits.
  • Takes place immediately until January 1st, 2023
  • Employers must report any COVID-19 cases to their claims administration

This new law creates a presumption that an employee who reports COVID-19 symptoms contracted the virus at their workplace. This presumption is only valid if the employee contracted the virus during a workplace outbreak and was present in their workplace in the 14 days before taking their COVID-19 test.

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What is the best home insurance option for residents in San Jose?

If you’re like most homeowners in San Jose, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

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What is the workers compensation experience mod, one may ask? The workers compensation experience mod is designed to measure whether a companies workers compensation losses are worse or better than expected.

The base rating for a mod is 1.0, which represents the industry standard for your type of business. If a companies losses are worse than expected they will have a mod higher than 1.0(debit mod), meaning they will pay more in workers comp premium than a business of the same type that has a lower experience mod or even a mod below 1.0(credit mod).

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A critical part to running your California business is making sure your employees are safe at work. Workers compensation coverage protects you and your employees from any work related injuries and illnesses.

In California, as in most states, workers compensation coverage is required. Even if your business is headquartered in another state, as long as you have employees working California regularly your business needs to carry workers compensation coverage.

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Insurance companies have been put in a very tough situation these past few years. California has been devastated with uncontrollable wildfires, leaving the insurance industry with over $26 Billion in losses. This has resulted in thousands of customers experiencing non-renewals from their long time insurance carriers, making it difficult for customers needing to obtain California fire insurance.

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