When the Coastal Fire broke out in Laguna Niguel in May of 2022 it piqued our awareness more than ever with regard to fire safety. The fire prompted a mandatory evacuation of 900 homes. In total, 200 acres burned, 20 structures were destroyed and 12 additional structures were damaged, not including numerous homes with smoke damage. Over 550 firefighters from across the region helped that day. From my home, I could see the dark smoke and one of the first things that came to mind, besides safety of life and property, was uh-oh – property insurance.

The insurance issue has been personal with my family. When my husband Eddie and I were dating we saw the issues his parents had to deal with after a tornado devastated his childhood home. I can remember my father-in-law spending countless hours o

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