5 Questions California Homeowners Must Ask Before Renewing Insurance

Before renewing your California homeowners insurance, make sure your coverage reflects the home you actually have, not just its market value. In this episode of *Speaking of Insurance* by Bollinsure Insurance Services, Aaron Bollinger explains how to review your dwelling limit, replacement cost estimate, and policy details so you can better understand whether your home is protected. Learn why market value and rebuilding cost are different, how square footage, construction details, and upgrades affect replacement cost, and what to look for in extended replacement cost and guaranteed replacement cost coverage. The episode also covers ordinance or law coverage, loss of use, debris removal, deductibles, exclusions, and water damage limits. In this episode, we cover: - Why your home’s purchase price may not reflect its rebuilding cost - What can make a replacement cost estimate inaccurate - How remodels and finish upgrades affect coverage needs - What extended and guaranteed replacement cost coverage mean - Why building-code upgrades, loss of use, and debris removal matter - How deductibles, exclusions, and water damage limits can affect a claim - What questions to ask your broker when reviewing a policy - Why comparing insurance quotes by premium alone can be misleading Whether you’re renewing your policy or comparing home insurance quotes, this episode offers a practical framework for checking whether your coverage aligns with your home and its rebuilding needs. At Bollinsure, we believe insurance should help people understand their risks and make informed decisions about protecting what matters. Speaking of Insurance is hosted by Aaron Bollinger and Brian Bollinger of Bollinsure Insurance Services. Learn more or request an insurance review: Bollinsure Insurance Services 562-268-9355 quotes@bollinsure.com California Insurance License #6013787 - (00:00) - Review more than the renewal premium - (01:24) - Real estate price versus rebuilding cost - (03:11) - Does the estimate describe your home? - (06:28) - Dwelling limits and additional protection - (07:56) - Building codes and ordinance or law - (10:14) - Expenses surrounding a covered loss - (11:38) - Comparing deductibles and exclusions - (13:29) - Preparing a practical policy review - (14:40) - Educational takeaways Episode transcript and related reading Episode transcript on Bollinsure California Home Insurance Deductibles and Premium Tradeoffs