Homeowners Insurance

Earthquake Preparedness is Good for Fire Safety Too!

Because of all the changes in the home insurance market, my articles for the past year have focused on fire safety, fire insurance and changes in the insurance industry.  People ask me questions like “when is this going to change?”, “will we ever be able to get normal home insurance again?”, “should I sell my […]

Understanding Surplus Lines Insurance Policies

By Ruth Stroup Surplus Lines: Purchased through a broker Require Inspections Multi-lines discounts not available Rates can change at renewal time People get nervous when I tell them they will need insurance from a Surplus Lines company. In practice, the policy is similar to any other policy. There’s coverage for your home and personal property, [...]

How to insure a “hard to insure” property

By Ruth Stroup Carrier Options are the key: Preferred Carriers Specialty Carriers Surplus Lines Carriers California FAIR Plan Whether you’re shopping for a new home, or facing a notice of non-renewal, you may find yourself in a situation where it’s difficult to get a new insurance policy. Common situations that require a special approach to [...]

What is a “Difference in Conditions” endorsement for a home insurance policy?

By Ruth Stroup Difference In Conditions: A blended approach Covers "difficult to insure" properties Fire and Smoke covered by CA FAIR Plan The CA FAIR Plan is an insurance pool established to assure the availability of basic property insurance to people who own insurable property and who, beyond their control, have been unable to obtain [...]

Why is it so difficult to get Homeowners Insurance in the Oakland/Berkeley Hills?

By Ruth Stroup Contributing Factors: More extreme weather events Increased claims due to deferred maintenance Building costs skyrocketing Have you or your neighbors found yourself scrambling to find new insurance? For the past year, we’ve heard from many folks in the hills that they were having problems with their insurance. What in the past was [...]

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Ruth Stroup Insurance Agency
3560 Grand Ave
Oakland, CA 94610
License #:0M13985


Fax: (510) 740-8815


M-Th 9am – 7p
F 9am-6
Sat 10-3
Sunday closed

Evening and weekend by appointment

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