Common myths about insurance in California

There’s a lot of confusion out there about insurance in California, especially as rates rise, coverage options shrink, and claim processes get slower—largely due to climate risks like wildfires. At Guerrero Insurance Agency, we see firsthand how these challenges affect families and businesses in Napa and across the state. Even with record insurer profits, many Californians find themselves with limited choices, and often rely on programs like the FAIR Plan, which provides only basic fire protection. Our team believes in cutting through the myths and helping clients truly understand what’s available, what’s changing, and how to make informed decisions about their coverage. When it comes to protecting your home, vehicle, or business, knowledge is your best defense.