As you may know, major insurance companies like State Farm, Farmers, and Allstate have stopped writing new policies in California. On top of that, now some insurers are denying homeowner claims if the trust that the home is titled in isn’t listed as an insured party on the policy.
If you’ve transferred your home into a trust for estate planning, check your policy now. Without the trust explicitly named, your insurer may refuse to cover damage or liability claims, even if your premiums are fully paid.
Call your insurance provider and confirm that your trust is listed as an insured or additional insured on your policy. Don’t assume—get written confirmation directly from the insurance company to avoid unexpected coverage issues. A quick review now can prevent costly surprises later. If you need referrals to trusted insurance professionals, I’m happy to connect you.
If you’re thinking about making a move, I’m here to provide expert guidance. Whether you want to discuss the housing market or know someone who needs help buying or selling, don’t hesitate to reach out. Your referrals mean the world to me, and I’d love the opportunity to help!
Cindy
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