The real estate landscape in San Diego County has shifted dramatically as we enter 2026. While our coastal views and canyon-side homes remain desirable, the “Insurance Crisis” has become a central character in every transaction. Major carriers have pulled back, and for a senior looking to sell a long-time family home in areas like Scripps Ranch, Poway, or La Jolla, this can be a deal-breaker if not handled correctly.

 

The Reality of “Insurability” in 2026

 

In today’s market, a buyer’s ability to secure an affordable homeowner’s insurance policy is just as critical as their mortgage approval. We are seeing escrows fall through in the eleventh hour because the insurance quotes come back at triple the expected rate, or worse, the property is deemed “uninsurable” by traditional standards.

 

How to Prepare Your Property for a Smooth Sale:

 

• The Pre-Escrow Insurance Audit: Before we even list your home, I help you investigate the current insurance status. If your home falls under the California FAIR Plan, we need to disclose this early and provide the buyer with a clear path to coverage.

 

• Home Hardening Documentation: Have you upgraded your roof to ember-resistant materials? Cleared defensible space? In 2026, these aren’t just safety measures—they are financial assets. Documenting these upgrades can convince a secondary carrier to take the risk, making your home much easier to sell.

 

• The “CLUE” Report: We pull your property’s loss history early. Knowing what’s on your record prevents surprises that could scare off a nervous buyer.

 

Why My Expertise Matters

 

Selling a home in a “High Fire Threat District” requires a broker who understands the nuances of the 2026 insurance market. I work with a network of specialized agents to ensure your home is presented as a safe, insurable, and valuable investment.

 

Worried about your home’s insurability? Let’s conduct a “Pre-Listing Insurance Audit” at no cost to you. Schedule your free consultation today, and remember, we offer integrated Mobile Notary Service for all your secure documentation needs.