Emilie Broughton Real Estate Blog

Making Sure you Stay Insured

In May, State Farm stopped the sale of new home-insurance policies in California.
Trevor Chapman, a spokesperson for Farmer’s Insurance, stated that the
catastrophe costs were at such high levels that the California home insurance marketplace continues to be challenging for insurers, requiring companies to take
actions to reduce risk exposure.

You need to start planning now for the growing possibility that our home or
vacation home insurance provider won’t renew coverage. If you suspect you are
going to be dropped or already have, act quickly. Check with neighbors and friends
for references and contact those companies right away.

Beware of ghost brokers who post as insurance agents accepting money for fake
insurance policies. Before giving your private information to a company or broker
you are unsure of, ask for their National Association of Insurance Commissioners, or
NAIC, number. You can search for an insurance company’s reported complaint
history in NAIC by inputting the company’s name or NAIC number in its consumer
insurance tool.

If you can’t get private insurance, you may need to turn to the state. The California Fair Plan used to be known as the insurance of last resort but may be the best (or only) option for many property owners in the state and is worth learning more about.

Below is the link to their website to you can look into the coverages available:

Home page


No matter what, home insurance isn’t something you should live without.

This entry was posted in Blog, Community.
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About Emilie

A transplant from the Pacific Northwest, Emilie has first-hand knowledge of the ins-and-outs of first-time home ownership and remodeling. She has become involved in the local art community and all the diversity Southern California has to offer and more recently has expanded her knowledge to include New Mexico.

Emilie’s passion to be involved in her community led her to become a licensed Realtor and Broker.  She continues to educate herself on different aspects of real estate to support clients with a variety of needs.  She is certified as a Military Relocation Professional (MRP) to work with U.S. Service families and veterans to find affordable housing solutions.

Having worked for both a small boutique firm and a company with a global presence, in 2023 she formed Emilie Broughton Real Estate to work with buyers, sellers, landlords, and tenants in California and New Mexico.

Splitting her time between the Land of Enchantment and the Golden State, Emilie focuses on Los Angeles County and the Greater Albuquerque metro area, helping her clients achieve their real estate goals in both Mountain and Pacific Time Zones.

Emilie represented her region as a California Real Estate State Director for three years.  She has served as President of the Pasadena Foothills Association of Realtors and is a multi-year recipient of the Five-Star Real Estate Professionals Award for the outstanding service she provides to her clients.

Emilie Broughton Broker I Owner DRE#01880930
RBFB, Inc. DBA Emilie Broughton Real Estate, California DRE #02222069
New Mexico QB License Number REC-2022-0478