As members of CrossWay Financial and Insurance Services, we understand the growing concerns of California homeowners regarding wildfire risks. The state has seen a significant rise in wildfire incidents, prompting regulatory changes to better protect residents.

Recent news highlights significant disruptions in California's insurance market, driven by climate change and escalating costs. Governor Gavin Newsom signed an executive order urging swift action to stabilize and strengthen the property insurance market.

HO4 insurance, also known as renters insurance, is designed to protect the personal belongings of individuals who rent their living space. Unlike homeowners insurance, which covers the structure of the home itself, HO4 insurance covers the contents within

Condo HO-6 Insurance (unit owners insurance) often works in conjunction with the Homeowner Association (HOA) master policy, which provides broader coverage for the condominium complex. Here's how the two policies typically complement each other:

When it comes to protecting your home, choosing the right insurance policy is crucial.

HO3 and HO5 homeowner insurance policies. Both are types of homeowners insurance policies, but they offer different levels of coverage.