Property Insurance

BearStar Insurance works with homeowners, investors, landlords, and property owners across a wide range of California property types.

Homeowners Insurance

For owner-occupied homes, homeowners insurance can help protect the dwelling, personal property, loss of use, and personal liability. In California, underwriting can vary significantly based on wildfire score, roof age, construction type, prior losses, location, and protection class.

We help review options for:

• Primary residences
• High-value homes
• Older homes
• Homes in wildfire-exposed areas
• Homes with prior insurance non-renewals
• Properties requiring specialty placement

Condo Insurance

Condo insurance is designed to work alongside the HOA master policy. A properly structured condo policy may include coverage for interior improvements, personal property, loss assessment, additional living expense, and personal liability.

We help condo owners evaluate:

• Interior building coverage needs
• HOA deductible exposure
• Loss assessment limits
• Personal property limits
• Water damage concerns
• Earthquake and flood options where applicable

Townhome Insurance

Townhome insurance can vary depending on how the HOA master policy is written. Some townhomes require coverage similar to a homeowners policy, while others may need a condo-style policy focused on interior improvements and personal property.

BearStar helps review the HOA insurance structure so the individual policy aligns with the property owner’s actual responsibility.

Landlord Insurance

Rental properties require different coverage than owner-occupied homes. Landlord insurance may help protect the structure, rental income exposure, liability, and certain landlord-owned property used to maintain the premises.

We help place coverage for:

• Single-family rentals
• Duplexes, triplexes, and fourplexes
• Condo rentals
• Townhome rentals
• Long-term rental properties
• Properties held in LLCs or trusts
• Small residential investment portfolios

Investment Property Insurance

Investment properties often involve underwriting questions that do not apply to standard homeowners insurance. Occupancy, tenant type, property condition, prior claims, renovation plans, and entity ownership can all affect eligibility.

BearStar works with property owners and real estate investors to evaluate coverage options for rental homes, tenant-occupied properties, and portfolio risks.

Vacant Property Insurance

Vacant homes are difficult to insure under standard homeowners policies because vacancy can increase the risk of vandalism, water damage, theft, fire, and delayed discovery of losses.

We help property owners seek coverage for:

• Homes listed for sale
• Recently inherited properties
• Vacant investment properties
• Properties between tenants
• Homes pending renovation
• Properties awaiting occupancy

Vacant property insurance is typically underwritten differently than standard homeowners or landlord insurance, and coverage terms can vary by carrier.

Renovation and Builder’s Risk Options

If a property is being remodeled, renovated, or rebuilt, a standard homeowners or landlord policy may not be sufficient. Renovation activity can create coverage restrictions or exclusions depending on the scope of work.

BearStar can help review options for:

• Light renovations
• Major remodels
• Course of construction
• Property flips
• Vacant properties under repair
• Investor-owned renovation projects

California Property Risks Are Changing

California property insurance has become more difficult due to several market pressures:

• Wildfire exposure in brush, hillside, and WUI areas
• Carrier non-renewals or tighter underwriting guidelines
• Roof age restrictions and property condition concerns
• Higher reconstruction costs
• Older electrical, plumbing, and HVAC systems
• Vacant or tenant-occupied properties
• Claims history or prior lapse in coverage
• Coastal, flood, and earth movement exposures

Because of these factors, many property owners benefit from working with an independent brokerage that can approach multiple insurance markets instead of relying on a single carrier.

Access to Multiple California Property Insurance Markets

BearStar Insurance works with a broad range of property insurance carriers, wholesalers, and specialty markets. Available options depend on the property type, location, condition, occupancy, loss history, and underwriting eligibility.

Why Work With BearStar Insurance?

BearStar Insurance is an independent insurance brokerage founded in 2005 by Gino Clemente. Our agency is built on long-term client relationships, personalized service, and practical insurance solutions.

California property insurance is not one-size-fits-all. A home in a wildfire zone, a tenant-occupied rental, a vacant dwelling, and a condo with HOA master policy exposure all need different coverage conversations.

With access to multiple insurance carriers and specialty markets, BearStar helps clients:

• Compare available property insurance options
• Understand key underwriting issues
• Review coverage limits and deductibles
• Identify potential gaps in protection
• Navigate non-renewals and difficult property placements
• Seek solutions for landlord, vacant, and investment properties

Our goal is to make the insurance process clear, responsive, and relationship-driven while helping clients protect what matters most.

Who We Help

BearStar assists a wide range of California property owners, including:

• Homeowners
• Condo owners
• Townhome owners
• First-time homebuyers
• Real estate investors
• Landlords
• Property managers
• Owners of vacant homes
• Owners of inherited properties
• Clients with non-renewed or difficult-to-place homes
• Clients with properties in wildfire-exposed areas
• Owners of multiple rental properties