



Check Rebuild Costs: Confirm your dwelling limit reflects today’s local construction costs, not your home’s market value. Spot Coverage Gaps: Ask about extended replacement cost, code upgrades, personal property, temporary housing, liability, and deductibles. Ask About Wildfire: Review wildfire coverage and exclusions, including how post-wildfire mudflows or debris flows may be addressed. Schedule Your Review: Contact Troy Guerrero Insurance Agency, Inc. at 1016 Clinton Street in downtown Napa before renewal or after major changes. Bring your declarations page and current policy.