Review Your Replacement Cost: Construction and labor costs in California have risen significantly. Ensure your policy’s “Dwelling Limit” reflects 2026 rebuilding costs, not 2020 prices.
Document Your Mitigation: If you have cleared brush or upgraded your roof, take photos and keep receipts. These are now primary tools for negotiating lower premiums or keeping your coverage.
Start Early: Do not wait until your renewal notice arrives. Start your insurance review 90 days before expiration, as underwriting is currently much stricter than in previous years.