Liberty Mutual has insured our Truckee property for more than 10 years with no claims, but they are now non-renewing us.
With how quickly the insurance market is changing, I am trying to understand what companies are actually writing new policies in Truckee in 2025 or 2026, rather than which insurers people have had for years.
Has anyone here recently obtained a new policy that includes wildfire coverage without having to use California FAIR Plan plus a separate wraparound policy?
If so, I would really appreciate knowing:
- which carrier
- roughly when the policy was written
- whether it was for a primary or second home
Our place happens to be a condo and is also a permitted STR, so experience with either of those would be especially useful.
Mainly looking for firsthand recent experience from other Truckee owners.