Tillery Family Insurance Agency

08/11/2026

CA Fair Plan Public Announcement

Dwelling Fire Rate Changes:

CFP rate application approved by CDI

Overall average premium change: +29.1% (Individual risk factors will determine premium, which may be higher or lower increases than the average premium, or in some cases, even a reduction in premium.)

The effective date for the new rates is October 15, 2026.

The first renewal offers containing the new rates will be sent on August 17, 2026.

Premiums for individual coverages and total premium will be calculated to the penny. (Previously, premiums were rounded to the nearest dollar.)

CFP is adopting the updated ISO Public Protection Class structure with its new and updated classes, based on the property’s distance from a fire station and water supply. This could factor into the insured’s premiums.

05/18/2026

Liberty Mutual Insurance and Pet Insurance go together! Quotes availabe through the following link.

With Safeco® Pet Insurance, you have peace of mind, knowing your pets are protected. Click to get a quote.

02/17/2026

Understanding reconstruction costs.

We're many times placed in difficult situations where one is "shopping" their insurance and we're quoting at $350-$400- per sq. foot for dwelling coverage. Cannot really shop when your current dwelling coverage is at $200- per sq. foot.

Rebuilding in California’s current market requires understanding every cost involved. This article explores how homeowners can evaluate and plan rebuild budgets after wildfire damage. Joy Line Homes offers transparent modular pricing and WUI-compliant designs that minimize surprises and control co...

02/03/2026

Thanks ChatGBT

01/28/2026

A GoFundMe shouldn't be a life insurance plan.

Protect your family

01/09/2026

https://www.abc10.com/article/entertainment/television/programs/to-the-point/former-insurance-commissioner-insurance-crisis/103-166b3bbf-256f-44f6-b4ff-e4ff65252ffc

California Department of Insurance (CDI)states full compliance by 2026 with their proposed changes.... NOTHING has changed for the better. In fact, you have the Fair Plan with a 35% request for premium increase filed in September!

CA Insurance Crisis Continues....

A former CA Insurance Commissioner lobbed strong criticism Wednesday against current Commissioner Ricardo Lara, saying he "failed his obligations to the consumer."

12/12/2025

It's that time of year where nothing matters more than family!

With that, ensure your affairs are in order and don't leave matters to a GoFundMe account.

I'll gladly give up the headaches of homeowners insurance to work with you on your life insurance needs. PM with questions, or interest in quotes. Not only is this the cheapest insurance you can buy - it's the most impactfull.

11/25/2025

Not that any of us would agree, but insurance costs for autos and homes in CA continue to under priced. Today's premiums are the new norm, which many still refuse to accept. Shopping for rates is pretty much extinct. Almsot all "new" business is for those without insurance. If you find yourself being non-renewed or closing on a new purchase, visit us for options!

Homeowner insurance premiums could surge 16% by 2027 as climate disasters drive rates higher, adding pressure to the housing affordability crisis.

11/09/2025

What is Orion180 and their "Flex Homeowners" policy all about?

Many think it's a solution for the CA Fair Plan. Having this product available for a month now, I have a few thoughts.

It's another option on the Surplus Lines market (non-admitted)!

Flex means you can have Significant and Different deductilbes (lower premium) for fire coverage vs other covered losses.

Optional "co-pay" on top of your deductilbe.

Flex meaning you can select just fire coverage and keep your DIC.

Biggest draw back I've seen, is their limited water coverage. Most will be at $10,000 in coverage, or policy max of $70,000 if you elect to enroll in their Automatic Water Shut-Off Device or have a newer home.

Home with over 10 acres no eligible.

If you have a newer home, updated plumbing, or not concerned with having much water coverage - Orion180 might just be your solution to the CA Fair Plan....

Please let our agency know if you have any questions or think Orion180 might be a solution for your insurance needs!

Send a message to learn more