California E&S Insurance

Some insurance companies will "as a courtesy" continue coverage until the next expiration date. Others will ask you to cancel and rewrite immediately. USAA seems to be schizco on this depending on the underwriting office. Also ask your lawyer about Prop 19 implications as any changes may trigger the property tax reassessment. NAL, afaik, having it in a trust doesn't protect it from the reassessment.

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