What to Know About Insurance Before You Buy in Nevada County, CA

(Watch the video here) One thing to build into your plan when buying in Nevada County: get an insurance quote before you close escrow, not after. Some carriers have pulled back from writing new policies in high fire-risk areas, but that doesn't mean you can't get covered -- it means you shop for it sooner. If a standard company passes on your property, the California FAIR Plan is the backup. It covers fire, smoke, and lightning, but not liability or water damage, so a lot of homeowners here pair it with a supplemental 'difference in conditions' policy to fill those gaps. None of this should scare you off Nevada County -- it's just part of the homework, like checking the roof or the well.

Download my free Wildfire Insurance Resource Guide: https://sierrafoothillsrealestate.com/nevada-county-wildfire-insurance-guide-yt