California E&S Insurance

Insurance agent with over 12 years experience here. 1.  No.  Talk with your agent about running a MSB on your property.  As mentioned above, you want to aim for a higher per square foot replacement cost. 2.  Yes. 3.  Yes, to at least $1,000 if not $2,500 4.  In my state, Safeco and The Hartford have decent rates at the moment. 5.  Ask for any and all available discounts, including package, claim free and safety such as dead bolts, smoke detectors and alarm, if applicable.

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