Navigating the Changing Landscape of Home Insurance in California by Ziang Her, Home Insurance Expert

Dated: August 3 2023

Views: 125

Home insurance is a type of insurance that provides coverage for your home and belongings against damages from events like fire, theft, or natural disasters. It typically includes coverage for the structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable. Costs can vary based on factors like the location and value of your home, your insurance provider, and the coverage options you choose. It's important to shop around and compare different policies to find the best coverage at a competitive price.


Meet Ziang Her, a seasoned and knowledgeable insurance expert in the real estate industry. With five years of experience as an agency owner at PDM Insurance, she brings a wealth of expertise to the table. As an independent agent with appointments from multiple carriers in California, Ziang Her is well-versed in the complexities of the insurance market. Her focus is on assisting first-time homebuyers in navigating the ever-changing landscape of home insurance.

Recently Ziang Her and Linda Peltz shares their expertise and advice on the current state of home insurance, especially in rural areas where challenges like fire coverage are prevalent. Lets dive in to the zoom discussion below from Linda Peltz and Ziang Her navigating the landscape of home insurance in California.

What is California FAIR Plan?

The California FAIR Plan, also known as the California Fair Access to Insurance Requirements Plan, is an insurance association that provides property insurance to property owners who are unable to obtain coverage through traditional insurance companies. It is designed to be a last resort for those who are considered high risk or have difficulty finding coverage due to location or other factors. The FAIR Plan is regulated by the California Department of Insurance and offers limited coverage options.


Ziang Her highlights how carriers in California are becoming more selective about the areas they provide standard home policies, particularly in high-risk fire and brush zones. For properties in such areas, clients often resort to the California Fair Plan, a state-sponsored program that guarantees fire coverage, but may have some conditions regarding the property's condition.


If you're considering a more rural property, be prepared for potentially higher insurance costs. Ziang Her advises first-time homebuyers to understand that such homes may require coverage through the California Fair Plan along with a Difference in Condition (DIC) policy, which combines various coverages.


When it comes to choosing the right insurance policy, Ziang Her emphasizes the importance of understanding coverage limits and types. She mentions the core coverages of a standard homeowner's policy, which includes coverage for the home structure, other structures, personal property, and loss of use. Personal liability is also a critical aspect to safeguard your assets against potential lawsuits.

Home Insurance California

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Home Insurance for First Time Buyer, Expert Advice

Pro Tip on Home Insurance in California

Comparing quotes is crucial, and Ziang Her advises against solely focusing on price. Instead, compare apples to apples, ensuring that the coverage you receive aligns with your needs. She also recommends getting quotes from different carriers and clarifying any doubts with your insurance agent.


Another essential tip Ziang Her provides is to update your insurance information with your mortgage company regularly. This helps prevent issues with non-payment and ensures you have continuous coverage.


For those new to home insurance, Ziang Her answers common questions, such as when to start looking for insurance and the difference between home insurance and home warranty. Understanding these details can make the insurance process smoother and ensure you're well-prepared.


Ultimately, Ziang Her goal is to provide comprehensive coverage and protect her clients' assets. She encourages clients to consider their unique needs and not compromise on essential coverages for the sake of a lower premium. By educating and empowering her clients, Ziang Her ensures they have peace of mind and security in their homes.

Ziang Her

PBM Insurance



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Call me for further details:

Linda Peltz, eXp Realty | DRE 01997670



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Fresno Realtor Linda Peltz

Linda Peltz Realtor - eXp Realty * Born in Denver Colorado and raised in Arvada, Colorado. * Grandmother was a Realtor * Been buying and selling real estate since my early 20’s. I have been in t....

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