YS Insurance

You think you don’t need insurance, but…😏

Call me📞, I got you covered ✅

California bill could let homeowners deduct the cost of their home insurance.

I’ll keep you updated when the bill officially becomes law. Follow along so you don’t miss it. 👀📩

🚨THEY SAVED $312/YEAR ON INSURANCE…
AND LOST $186,000 ON THE CLAIM🚨

Client renewed their homeowners policy.

Everything looked “basically the same.”

Same house.
Same carrier.
Same billing.

So they never reviewed the renewal.

Months later:
A major water leak destroyed:
- flooring
- kitchen cabinets
- drywall
- built-ins

Estimated damage:
💥 $214,000

Then came the shock.

At renewal, the carrier had quietly:
- lowered water damage limit from FULL coverage to $25,000
- added new exclusions
- reduced coverage extensions
- changed policy wording

Client reaction:
> “But I had this covered last year.”

Insurance company response:
> “This is the current policy term.”

Final payout:
💰 $28,000

Out of pocket:
💸 Nearly $186,000

And no — this is not rare anymore.

⚠️ Biggest myth in insurance:
People think renewals are identical.

They’re not.

In today’s market, carriers are quietly:
- reducing limits
- adding exclusions
- tightening claim language
- changing wildfire/water/roof coverage

Most people never notice until claim time.

Every renewal should be reviewed like a BRAND NEW contract.

📩 If you’d like to review your policy before renewal, send me a DM. The consultation is free.

Not many people know about it.
But I can help you✅
Call me, I got you covered🤝

⚠️ Many California homeowners and drivers have already noticed their insurance premiums going up.

But a higher premium doesn’t always mean better protection.

📩 Want to understand what you’re actually paying for? Send me a DM. The consultation is free.

🧐 Inexperienced client:
“Can you make it cheaper?”

😎 Experienced client:
“Can you show me where my risks are?”

The difference becomes very obvious when it’s time to file a claim.

📩 Want to understand your risks before that happens? Send me a DM. The consultation is free.

We’re practically family by now. The only thing left is to get you a policy. 😅

Client had:

engagement ring
luxury watch
inherited jewelry

Burglary happened.

They assumed:

“My homeowners covers theft.”

Technically yes…

But policy had:

jewelry sublimit
no scheduling
depreciation arguments

Total jewelry value:
$85,000

Claim payout:
$7,500

💥 This one shocks people constantly.

The problem most people don’t realize:

Standard homeowners policies often have very limited coverage for:

theft of jewelry
mysterious disappearance
lost items
high-value pieces

And even when coverage exists, payouts can be capped far below the actual value.

The smarter way to insure jewelry:

✔ Schedule the jewelry on your homeowners policy
OR
✔ Get a separate jewelry policy

Why?

Because scheduled coverage can provide:

higher limits
broader protection
coverage for accidental loss
coverage for mysterious disappearance
fewer coverage disputes
agreed value or better valuation terms

Otherwise people discover the limits… after the loss already happened.

Insurance companies are paying claims after the LA wildfires. But the real question isn’t whether you’ll get paid — it’s how much and how quickly.

Many homeowners affected by the fires faced delays, additional documentation requests, and disputes over claim amounts.

The better your policy is structured and the better your documentation, the stronger your position during a claim.

💡 That’s why it’s important to have more than just an insurance company — you need someone who can help you understand your coverage before a loss happens.

📩 Need advice from an independent insurance broker? Send me a DM. The consultation is free.