Homeowners have been contacting the office looking for where to get homeowner’s insurance when they have been non-renewed. While the HOA can’t make any specific recommendations, our website does allow comments on blog posts to allow homeowners to discuss and exchange information. If you’d like to ask or share information about homeowner’s insurance, feel free to comment below. All comments are moderated to prevent spam, so it will take some time for your comment to appear.
I have had Allstate Insurance since buying my unit. Hopefully won’t get non-renewed!
I have had AAA for the past 5 years
We’ve had State Farm continuously since 2006. Two units sold last year so I’d check with the new owners of #9 and #8 and see what companies they might have found.
We had Traveler’s but they just sent us a notice that they will not renew as of April 1.
I bought in 2023 and have Liberty Mutual. It was easy, affordable and good coverage. Please feel free to reach out to Jeff Mcdonald: JEFFREY.MCDONALD@libertymutual.com
Stephanie Cannell, very responsive and great rates. She is a good friend of mine.
https://agents.farmers.com/ca/mill-valley/stephanie-cannell/
Best,
Jamie Denton
I’ve had State Farm since I bought in 2019. Last year they added extra earthquake coverage to our policy.
Hi,
Progressive recently informed me of the non renewal of my policy do to the fire rating of the area, so i tried the big online companies (Geico, Liberty, state farm, Farmers) with a similar message from all of them. The state farm website did point me to hippo.com that is an online insurance broker and they found Universal North America was willing to issue a policy. I can’t say if they are good or bad but since my policy was about to expire so I took it. Next year i will shop around with more time
I had the same problem about 3 years ago and now I use Daniel Carpenter out of Incline – licensed in NV and CA, he latches on to the CA state fund that backs up places like ours.
Doug 143 – owner since 1999
Unit 39. State Farm past 15+ years. No problems (yet!).
I switched to AllState about 2 years back. The other companies were increasing the rates quite a bit. I am saving quite a large amount from this switch. I use Tyler Johnson at AllState in Walnut Creek. He can be reached at 925-933-3100 or TylerJohnson@allstate.com
Unit 133 – I use Farmer’s – They also insure our primary home in Loomis. Our home fire insurance was cancelled in 2019, so we’ve had to use the CA FAIR Plan with Farmer’s DIC coverage.
Update 9/24 – Farmer’s cancelled our policy. I learned that AAA is one of the few that will write condo/townhome policies, but only if they also insure your primary residence. So I changed my primary and townhome; quick, easy & reasonable.
Unit #56 here. We initially had a policy through Lemonade. Last year, got a new policy with better coverage through GEICO. It’s through one of their third parties called Assurant.
#111 – State Farm / Don Holliday in Loomis / 916-652-4476
Don covers all my insurance needs from Cars, Work Trucks, Homes, Rentals + Umbrella policies. Just spoke with him yesterday and there is no cancellations planned for condo type policies which owners currently have on our properties, but we may see a cost increase in the policy of 20-30% on the next renewal. He stated that State Farm appear to be the #1 unit insurer at CW, based on the number of policies he sees on the over all HOA properties.
I would suggest everyone double standard minimum Condo policy coverage, due to the fact that HOA current coverage for the structures which are town-homes does not cover your home like a typical condo policy would. it only covers replacement of the structural & weather shell and any required interior bearing or lateral structural members or walls. Owners insurance will be required to bear costs of all Non-Structural Interior Walls, all rough Plumbing & Electrical from meter, Mechanical systems, Insulation, Drywall and all Interior Finishes, plus personal belongings. Typical condo policy only covers replacement of finished materials inside of the face of the sheet rock surfaces and personal belongings.
If any of you have done remodeling, you are aware of construction costs in Tahoe. Please review your maximum policy coverage and realistically figure out what you unit would cost to rebuild back to its current condition. Make sure your policy includes “code updates”, because there have been considerable changes to what we have now and what you would be allowed to rebuild today.
You can always contact me through the Architectural Control Committee of you have questions. Jack Venable
If it’s an STR the ONLY option you will have is CA Fair Plan. It’s expensive but is your ONLY option. If it’s a primary residence there should be options.
Rob Schmidt
(415) 272-5540
My agent and stays at my carnelian home.
Allstate
We currently have California Fair Plan since we bought our unit #9 back In May of 2023
Here are some notes from a posting on NextDoor in April about insurance: Joey Alfonso in Truckee (FairPlan), Lemonade, Stewart Rubiano Insurance Agency (Placerville I think 844-465-3678), Ralph Richardson 415-572-8460 (FairPlan), Northlight through an Allstate agent, Greater Sierra Insurance Services – Nikki Cortes (South Lake Tahoe), Heffernen Insurance 415-786-5040 (FairPlan but apparently was helpful finding supplemental insurance), Home Run Insurance 209-223-9600, Einhorn Insurance in San Diego – apparently specialize in high fire risk properties – also write FairPlan, Homesite through Geico
Below is our insurance contact information:Matthew Jones
Farmers Insurance
106 Airport Blvd Ste 101
Freedom, CA 95019-2752
License Number: 0L58376
408-816-1367 (Office)
909-319-9457 (Mobile)
831-851-2351 (Fax)
mjones3@farmersagent.com
http://www.farmersagent.com/mjones3
We have our insurance through Allstate (for around 30 years, bundled with home, auto, umbrella) and suggest the CA Fair plan for those being “non-renewed”. This covers basics, but it may be best to obtain extra coverage. To keep costs down, it may be possible to increase deductible amounts as well..
Hope this is helpful 🙂
About a year ago, we switched from Allstate to Assurant (through Geico). They just renewed us with a $13 CUT in our premium.
Acquired policy in Feb 2024 through Agent Todd Cooker with Pacific Premier Insurance Associates and our carrier is North Lights Specialty Insurance.