🏡 Homeowners in California, this one's for you! 🏡 Join Spencer Hsu, your trusted Bay Area Real Estate expert, as he dives deep into the complexities of homeowners' insurance in California with industry professionals Aaron from Farmer's Insurance and Richard from Goosehead Insurance. 🚨 What's Covered? Latest insights on flood insurance and deductibles Strategies to maintain your coverage in a rapidly changing landscape The real cost of construction vs. market value Why certain home improvements may not lower premiums but are crucial for keeping your policy intact Whether you're a homeowner or a buyer, this video provides essential advice to safeguard your property. #BayAreaRealEstate #HomeInsurance #Homebuyers #RealEstateExpert #CaliforniaLiving #SpencerHsuRealEstate #HomeownersInsurance