California E&S Insurance

Rant: Homeowner's Insurance in California I've been a fanboy for Mercury for almost 30 years (auto and home). This year the mandated evidence of insurability (my home is about 50 years old and in great shape). They demanded pictures of all aspects of my home (about 20 or so). All bills and invoices (and permits) for any plumbing and electrical. They also wanted proof that the roof, plumbing and electrical have all been replaced - REPLACED. I submitted everything I had. I even contacted the previous owners for roofing detail (I am glad they are still alive). I had a new electrical panel to support my solar and my new HVAC and water-heater (I moved to the garage). After sitting on this until 30 days before my policy expires, they rejected me. My broker said I could get a home inspection done. So I paid the $500. He (unofficially) said, should be no problem, all systems are fantastic. Today, I was told, no bueno...The plumbing needs to be completely replaced. WTF! Now I am scrambling to find someone in CA to insure my home. Fire risk rating is 0 (Mercury gave me documentation on that). I spoke to an AA person and they Google mapped my home, and because I have an abandoned golf course behind me, they we hesitant insure. I have quotes from Geico, Lemonade and Progressive but nothing written yet... /rant

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  "score": 0,
  "title": "Rant: Homeowner's Insurance in California",
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  "num_comments": 37,
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