Pfaff Services

06/01/2026

I don't sell Medicare, but I regularly encounter people who have no idea how it works, and I wanted to share.

https://www.aarp.org/medicare/common-medicare-mistakes/

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916-633-2221 x115
LIC

Learn how to navigate Medicare’s enrollment periods and avoid costly mistakes that could lead to lifelong penalties.

05/30/2026

Today’s housing market is nothing like 2021 when things were really aggressive. There were literally twice as many sales going above the original price back then. One thing we are going to start seeing in the stats in coming months is a more competitive market today. Remember, we are going to be comparing today with a really dull market last year.

05/20/2026

Carriers are finally starting to catch up on short-term rentals, and hopefully, ADU's will be next.

Looking forward to being able to write vacation rentals, including Airbnb and Vrbo, with new short-term rental coverage available through one of our non-admitted carriers in CA.

Eligibility includes:
• Year-round short-term rentals.
• Single and multi-family dwellings.
• Other structures on residence premises rented for dwelling purposes only.
• Full-time students and more than two unrelated tenants per unit for short-term rental use.
Any residence rented or held for rental for more than two weeks on an annual basis is considered a rental property, for rating and underwriting purposes.

Features:
• Aggregate bed bug coverage.
• Lock replacement coverage.
• Earthquake coverage.
• Extended coverage options, including personal liability.

[email protected]
916-633-2221 x115
LIC
TruSummit Insurance Solutions

05/18/2026

Nice way to start the week.

Always a good thing to find savings for a client in this market.

[email protected]
916-633-2221 x115
LIC # 0F26479

TruSummit Insurance Solutions

05/14/2026

Summer is coming; protect your watercraft activities.

While California law does not legally require boat insurance, it is highly recommended to protect your financial assets and comply with specific marina or lender requirements. Watercraft insurance covers, at a minimum, liability for damages or injuries you cause to others, while also protecting your investment against damage from collisions, theft, or accidents.

Key reasons to have boat insurance in California:

Liability Coverage: In the event of an accident, this covers medical expenses for injuries to others and repairs for damage to other boats or property.

Protection Against Loss: It covers damage to your own boat from collisions (with other boats, docks, or hidden objects), fire, theft, vandalism, and storm damage.

Marina Requirements: While the state does not require insurance, many private marinas and launching facilities do require proof of liability insurance to rent a slip.

Lender Mandates: If your boat is financed or leased, your lender will likely require you to maintain comprehensive and collision coverage.

Additional Coverage Options: Policies often include perks like on-water towing and labor, fuel spill liability, and specialized coverage for personal watercraft.

Watercraft insurance: Is super cheap.

Don't put it off, call Pfaff.

[email protected]
916-633-2221 x115
LIC # 0F26479

TruSummit Insurance Solutions

05/06/2026

FIRE SEASON IS HERE. (Living the R.V. life after a fire.)

Yes, you can generally live in a trailer or RV on your property in California after a fire, but you cannot "just" do it; you almost always need to obtain a temporary emergency occupancy permit. These permits allow living in an RV on your lot for up to three years—or as long as you have an active rebuilding permit—provided you have safe utility hookups (water, septic, electricity).

Here are the key things to know about post-fire trailer living in California:

Permit Requirements: Local jurisdictions, such as Sonoma and Los Angeles counties, require special disaster-recovery permits for temporary on-site housing. Utility Hookups: Generally, you must have approved utility hookups, including power and septic/sewage disposal, rather than just running an RV completely off-grid.

Property Eligibility: The trailer must be on the same property where a home was destroyed or rendered uninhabitable by the fire.

Duration: Rules in areas like Los Angeles now allow for up to three years, or as long as it takes to rebuild. However, local "urgency ordinances" can expire, causing tight deadlines, as seen in Paradise.

Why It's Allowed: This policy helps residents return to their land, manage debris clearing, and save on housing costs while rebuilding.

Key Requirements for Post-Fire Trailer Parking Safety Clearance:

The site must be cleared of significant debris and approved as safe for re-occupancy or reconstruction to avoid risks from toxic ash, structural collapse, or hazardous materials.

Temporary Permits: Local jurisdictions (like Sonoma County or Santa Cruz County) usually require a temporary permit for RV residency on burn sites.

Utility Connections: Temporary housing is typically allowed only if the trailer is connected to approved, permitted sources of water, sewage disposal, and electricity.

Disaster Exception: Following major disasters, Governor Newsom has previously issued executive orders to streamline the process, allowing for faster placement of temporary trailers.

Safety Tips and Considerations: Avoid Ash Hazards: Even if allowed to park, public health officials warn that if your property still has significant debris, you should consider delaying re-occupancy to avoid inhaling hazardous materials.

Debris Cleanup: Coordinate with official debris removal crews to ensure your trailer is not placed in an area that still needs to be cleared, which could require you to move it later.

Local Rules Vary: While state executive orders may apply, always check with your local County Planning or Building Department for specific requirements regarding fire-damaged properties.

Can you handle living in a trailer with your family and pets long-term?

Don't be caught off guard this fire season. Review your coverage with your agent and ensure you are well protected and have options after a catastrophe.

Don't put it off, call Pfaff

[email protected]
916-633-2221 x115
LIC
TTruSummit Insurance Solutions

05/04/2026

Life can change in an instant.

While you are young and healthy, get affordable term life insurance to protect what you can't predict.

Don't put it off, call Pfaff.

[email protected]
916-633-2221 x115
LIC

A hill I'll die on: term life insurance is NOT a waste of money.

And I know exactly what the pushback sounds like.

"Why pay for something you might never use?"

Because this isn't about using it. It's about what happens to the people you love most if you're not there anymore.

I carry a $2.5 million 30-year term policy. The monthly premium would probably surprise you. But the math on what my family loses if I'm gone without it would surprise you a lot more.

Without that policy my wife isn't just grieving. She's also figuring out whether to sell the house. She's doing math on how long the savings last. She's making decisions about the kids' future under the worst possible circumstances with the worst possible clarity.

That's what no plan actually costs. Not a monthly premium. A family forced to shrink their entire life because one income disappeared overnight.

The people who call term life a waste of money are the same people treating GoFundMe like a financial strategy and "I'm young and healthy" like it's a guarantee.

It's not a guarantee. It's a bet. And your family is what you're betting with.

Term life is affordable. Term life is practical. And for anyone with people depending on their income it's one of the least optional financial decisions you can make.

I'm a dad of four. This one isn't even a debate for me.

04/30/2026

Boating season approaches.

Boat insurance in California is not legally required for recreational vessels, but it is strongly recommended to cover liability, damage, theft, and uninsured boaters.

Liability: Covers injuries to others or damage to their property.

Comprehensive & Collision: Covers repairs to your boat, trailer, and
equipment (e.g., fishing gear, electronics).

Uninsured Boater: Protects against damage caused by uninsured boaters.

Don't miss the boat; contact me for a great rate.

Boat safely and rock on.

[email protected]
916-633-2221 x115
LIC

1.8K likes, 136 comments. "Yacht Rock & Retro Groove Rock | Vinyl Mix"

04/28/2026

Carriers prepare to turn off the tap on preventable water loss claims.

I just received this in an email from Mercury this morning.

"Our goal is to help your customers get the best rate on their homeowners policies and avoid costly claims. To support this effort, smart water leak detection devices will soon be a key underwriting requirement for many policies."

Farmers, Safeco/Liberty Mutual, Mercury, and many other carriers will soon follow in requiring homeowners to install water shut-off valves to obtain and maintain coverage.

I have had numerous prospects call after receiving the dreaded notice to install the valve, then scramble to find insurance elsewhere to avoid installing the device and cancellation. Many have no choice but to comply or face significantly higher premiums, and moving to another carrier will only delay the inevitable.

To make matters worse, there are reports of plumbers price-gouging consumers who are under a time crunch to have the valve installed, spending thousands more than necessary.

The Bottom line is that consumers need to be proactive. Install the valve now, while you have time to shop around for the best price and before your carrier requires it. You may even get a discount on your current policy.

If you have questions, I will provide or find the answers for you.

Don't put it off, call Pfaff.

[email protected]
916-633-2221 X115
LIC # 0F26479

TruSummit Insurance Solutions