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    • Problem solution / Finance / Insurance
    • 2026/03/16 (Mon)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    For those who have been told their homeowners insurance policy is not renewable ： Increasingly common homeowners insurance problems these days

    Recently in California, we have seen an increasing number of people being told

    "We cannot renew your homeowners insurance"
    "We cannot underwrite this area"

    .

    In particular,

    ・ areas with high wildfire risk
    ・ old roofs and homes
    ・ policy changes

    by insurance companies may prevent renewal.

    In that case, many will consider
    the California FAIR Plan.

    However, the FAIR Plan is different from regular homeowners insurance, including

    ・ basic fire only coverage
    ・ which does not include flood or liability

    .

    Therefore, in many cases, coverage is supplemented in the form of

    FAIR Plan + Difference in Conditions (DIC) policy

    .

    Recently, we have been receiving an increasing number of inquiries from Japanese people

    "I was told that my policy cannot be renewed"
    "I was told that only Fair Plan is available"

    .

    If you have any concerns about homeowners insurance
    please feel free to contact us. nkato@farmersagent.com

    • Useful info / Finance / Insurance
    • 2026/03/12 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Common Misconceptions of Home Insurance ： Home Price ＝ Not Insurance Amount

    We created this illustration of common misconceptions about home insurance 🏠

    "I bought a house for $ 600,000, so
    I need $ 600,000 in insurance ？"

    In fact, home insurance is based on The amount of coverage is based on
    "Rebuild Cost （ Replacement Cost ）"
    rather than the purchase price of the house.

    Since the value of the land is not included in the policy,

    🏠 the purchase price
    🔨 of the house

    can be very different from the rebuilding cost .

    We often receive this question from Japanese people, so
    we have put it together in a way that is easy to understand.

    By the way, did you know the difference between
    "house price" and "rebuilding cost" when deciding on home insurance ？

    If you are wondering about your current home insurance
    "Is this coverage amount enough ？ ? <3369> If you are concerned about your current home insurance policy,
    please feel free to contact us.

    Email: nkato@farmersagent.com

    • Signature service / Finance / Insurance
    • 2026/03/03 (Tue)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    ＼ ＼ California Residents ／ ／ Free Insurance Consultation ？

    Is your current insurance really protecting your family now ？

    ☑ ️Review ・ Confirmation ・ Consultation, all free
    ☑ ️Even difficult technical terms can be understood because they are in Japanese

    ・ Home Insurance
    ・ Car Insurance
    ・ Life Insurance
    ・ Business Insurance
    ・ Other Insurance (Personal Liability, Pet Insurance, etc.)

    We provide the essential insurance for living in America

    Please contact us for anything.
    Email us at (nkato@farmersagent.com) or feel free to contact us through the Town Guide.

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