California E&S Insurance

We own four homes in CA, worth about $3.3M. Three are rentals. Combined, the rentals are worth almost as much as our primary. We pay $5k total per year for homeowner's on all four. Our deductible is $5k per property, so it's not barebones, by any means. Why is it so low? We used an independent agent. She figured out that since DH worked for a public utility, he is a qualified Civil Servant. She found a well-rated company that specializes in covering Civil Servants and saved us a boatload of money. No one's ever heard of them, because they don't advertise. We also insure our cars with them fairly inexpensively, as well. Independent Agents are worth their weight in gold. In case anyone's curious, we self-insure against earthquakes, as most people do in CA.  Most EQ policies cost a fortune, have very high deductibles (as much as 25% is common) and low-ish coverage caps. Dr. Google says, typically it's $3.54 per thousand dollars of value annually in CA. That would be $11,682 per year on top of the homeowner's policy costs. Nope.

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