California E&S Insurance

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Homeowner experiences, agent discussions, E&S/surplus lines, and FAIR Plan coverage in California wildfire zones

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Type	Source	Thread	Date	Content	Locations	Scraped Via
post	Reddit r/InsuranceClaims	—	8/11/2025	There is way too much information missing for us to have an opinion. Sounds like a soft tissue injur...	—	apify_targeted
post	Reddit r/FirstTimeHomeBuyer	—	7/24/2025	I am team fuck an open concept. We're 3 months in to our 1930s house. Second or third owners, pre wa...	—	apify_targeted
post	Reddit r/InsuranceClaims	—	1/14/2026	I don't, just wondering if I could because the full cost of replacement for me is paying off the sto...	—	apify_targeted
comment	Reddit r/collapse	—	3/30/2024	That's a big part of the problem. It really doesn't seem like there's much we as individuals can do ...	—	apify
comment	Reddit r/AskLosAngeles	—	3/15/2021	Added!	—	apify
post	Reddit r/California	—	1/18/2025	They're likely required to use their reinsurance if they can't afford it. I got 40% increase this ye...	—	apify_targeted
post	Reddit r/altadena	—	11/10/2025	Don’t accept it! Sue for more. They don’t want to pay for emotional distress. Make them!	—	apify_targeted
post	Reddit r/InsuranceClaims	—	10/1/2025	Why I always keep receipts from the 6-8 most recent tanks of gas.	—	apify_targeted
post	Reddit r/InsuranceAgent	—	2/11/2026	I am an FBI agent! Thanks Keanu.	—	apify_targeted
post	Reddit r/sanfrancisco	—	3/30/2010	Get ready for a challenge!	—	apify_targeted
post	Reddit r/personalfinance	—	2/16/2026	First of all, you say you have zero cash savings, but you have $220k in a money market. That is cash...	—	apify_targeted
post	Reddit r/altadena	—	2/12/2026	Someone else summarized it well in their response - essentially smoke and ash corrodes the HVAC syst...	—	apify_targeted
post	Reddit r/altadena	—	8/26/2025	Isn’t there a 1 year moratorium on increases in Altadena? Not that that helps for much longer, but ...	Altadena	apify_targeted
post	Reddit r/Landlord	[Landlord US-NY] If my Section 8 tenant can't afford renters insurance, can I set up and pay for a policy on their behalf?	1/21/2026	[Landlord US-NY] If my Section 8 tenant can't afford renters insurance, can I set up and pay for a p...	—	apify_targeted
post	Reddit r/Landlord	—	1/22/2026	Renters, insurance is not just for your personal property. It helps cover the landlord if the tenant...	—	apify_targeted
post	Reddit r/InsuranceClaims	—	1/14/2026	I'm curious why you think it's a mistake? And \~$2K is the total cost of paying off the stolen phon...	—	apify_targeted
post	Reddit r/Landlord	—	1/21/2026	Personal liability policies can definitely help paying for shit	—	apify_targeted
post	Reddit r/Landlord	—	1/21/2026	This is untrue. The landlord is protected in the event the tenant is negligent.	—	apify_targeted
post	Reddit r/Landlord	—	6/23/2025	Thank you so much. Luckily it wasn’t placed on grass, there is an asphalt driveway that is no longer...	—	apify_targeted
post	Reddit r/Landlord	—	6/24/2025	That can depend, in my area they don’t use chlorine for water treatment but chloramine which doesn’t...	—	apify_targeted
post	Reddit r/InsuranceAgent	—	8/13/2025	he dodged the question	—	apify_targeted
post	Reddit r/altadena	—	11/12/2025	We are sticking with litigation as well. Since our house wasn't destroyed, it's important for us to ...	—	apify_targeted
post	Reddit r/YouShouldKnow	YSK Never call your homeowner insurance's claims department...	6/19/2025	YSK Never call your homeowner insurance's claims department... Why YSK this is because if you EVER ...	—	apify
post	Reddit r/InsuranceAgent	—	9/20/2025	That is because you ran an agency and none of your agents got the renewals you did.	—	apify_targeted
post	Reddit r/InsuranceAgent	—	1/26/2025	I second this. For a walls-in policy, $100/sq ft is a good number to be at.	—	apify_targeted

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