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Farm Talk with Paul Ward in Ventura County, CA discusses different aspects of farm living in rural communities in California.
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Wednesday Nov 08, 2023
Wednesday Nov 08, 2023
Welcome to this insightful episode of 15 Minutes with Paul Ward, where we delve into the complex world of insurance, specifically tailored for the residents of California. Join us as we sit down with Mariana Hermosillo, a seasoned professional with Goosehead Insurance, who provides expert guidance on securing insurance in the challenging Californian environment.
In this episode, Mariana sheds light on crucial insurance topics such as fire, earthquake, and flood insurances. Discover the reasons behind the intricacies of insurance carriers and their policies in California, including the current scenario with escrows and new homes in California. Learn the benefits of working with an insurance broker and gain valuable insights into fire insurance, including understanding dwelling/structure coverage versus the sale price of your house and the importance of Replace Cost Estimators (R.C.E’s).
We also explore flood insurance, addressing common questions like whether you need the same amount of coverage for floods and how earthquake coverage should align with your dwelling cost. Mariana provides valuable tips on deductibles and how to lower premiums for earthquake insurance, making the insurance process more manageable and cost-effective.
Additionally, our discussion touches upon essential tips for finding the right insurance coverage and saving money. Mariana educates us on high fire zones and the California FAIR plan, ensuring that everyone can access essential fire coverage.
Join us for this informative episode and empower yourself with the knowledge you need to make informed decisions about your insurance needs in California. For more personalized assistance, Mariana Hermosillo offers various ways to get in touch, ensuring you have the support you need in this complex insurance landscape.
A special thanks to our sponsor, Opus Escrow, for making this episode possible. Tune in and stay informed about the insurance options available to you in the Golden State!
Watch the complete episode on Paul’s YouTube channel
0:00 Welcome to the show
0:11 Introduction of Mariana Hermosillo of Goosehead Insurance
0:20 Today we will be talking about insurance specifically in California along with tips on getting insurance in this difficult environment
0:35 Topics will include: Fire, Earthquake and Flood Insurances
1:12 Mariana explains what’s happening with insurance carriers and why some are not writing policies in California right now
2:32 What’s happening with insurance companies writing business with escrows right now in California
3:03 Mariana explains what it means to be an insurance broker
3:39 One of the biggest perks of working with an insurance broker
4:30 Mariana explains fire insurance and gives us tips on getting covered correctly
5:16 Dwelling/Structure coverage vs. sale price of the house
5:58: R.C.E’s: Replace Cost Estimators
6:25 We switch gears and focus on flood insurance
6:40 Do you need the same amount of coverage for flood insurance?
7:13 Earthquake coverage- what you need to know
7:43 The earthquake coverage should match the dwelling cost
8:00 Deductibles with earthquake Insurance
8:30 Mariana gives us tips on how to lower the premium for earthquake insurance
9:10 Helpful tips when looking for insurance coverage and ways to save money
11:33 High fire zones and The California FAIR plan to ensure everyone can get fire coverage
12:35 All the ways to contact Mariana Hermosillo
13:39 A special thanks to our sponsor: Opus Escrow
How to reach Mariana Hermosillo:
mariana.hermosillo@goosehead.com
805-394-8806
How to reach Paul:
805-479-5004
Related Episodes:
Where are Real Estate Prices Headed in Ventura County?
Title Insurance and Fraud Protection with Tom Piszczek
Mariana Hermosillo, Home Insurance Expert
Check out our featured listings as well as other properties for sale in the area:
Have ideas for future episodes? We'd love to answer your questions - leave a comment! For any home buying or home selling needs in the Ventura County area of California, please reach out to Paul@HomeAndRanchTeam.com or visit www.HomeAndRanchTeam.com
A special THANK YOU to our sponsors! 15 Minutes with Paul Ward would not be possible without the support of our sponsors, Opus Escrow and Community West Bank. Supporting our sponsors ensures 15 Minutes with Paul Ward can provide listeners with the best possible episodes.
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