Field Notes
Insurance
Field notes tagged “Insurance”.
A “Stable” Insurance Market — Stable for Whom?
The insurers that stepped away from the fires are edging back, and the industry's grade just improved to stable. My read: that stability was purchased from homeowners — one premium hike and one non-renewal at a time.
Don't Let a Forever Home Put You Forever at Risk
Buying a house can be one of the most emotional financial decisions any of us make — harmless with room in the budget, dangerous when the feeling has you stretching to buy and to own a home you mean to keep forever. A story from the Berkeley hills about what emotion can hide.
Your Insurance Quote Is a Climate Forecast
When a place gets riskier, prices are the last thing to move. Insurance is the first — carriers reprice every year, and they're paid to be right about risk. Here's how to read a quote like the forecast it is.