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.
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