General topics

California Fair Access to Insurance Requirements (FAIR) Plan - Your Last Resort Insurance Plan

Is your home hard to insure?

Don’t fret! Your home is not uninsurable.

wildfire_californiaThe California Fair Access to Insurance Requirements (FAIR) plan is your insurer of last resort. You have to exhaust all efforts to benefit from this.

The California Fair Access to Insurance Requirements (FAIR) plan is an insurance pool established to guarantee the availability of basic property insurance to those who have been unable to obtain insurance through the voluntary insurance market.

firefighters_fighting_wildfire_californiaHomeowners in wildfire-prone regions may need to turn to the FAIR Plan if they cannot find insurance elsewhere.  You should exhaust all other avenues before going with a FAIR Plan policy, which should only be considered a last resort.

A FAIR Plan policy is pretty bar bones: it will cover losses due to fire and smoke and it will satisfy a mortgage company’s requirement that a home be insured, but it will not cover damages from earthquake, theft, vandalism or personal liability.  As of April 1, 2020, the FAIR plan’s combined dwelling coverage limit is $3 million, up from $1.5 million.  For more information visit cfpnet.com

...

Law that Authorizes Common Interest Developments (CID) to Impose Rental Restrictions

Common Interest Developments:
Law on Common Interest Development (CID)Requires common interest developments (CIDs) to allow at least 25% of owners to rent or lease out their units starting January 1, 2021, regardless of whether the HOA has formally amended their governing documents.

This law:

1) Authorizes a CID to impose reasonable rental restrictions that have the effect of limiting the total number of rentals to 25% or higher of the individual dwelling units in the CID. Provides that ADUs and junior accessory dwelling units (JADUs) must not be counted toward this cap. Provides that such a cap must not change the right of an individual owner who was renting their unit out prior to the effective date of this law, to continue renting out their unit.

2) Requires CIDs to follow the requirements of this law on January 1, 2021 and requires amendments of governing documents to be completed by CIDs by December 31, 2021. Requires CIDs to comply with this law regardless of whether the governing documents have been amended.

3) Provides that a CID that violates the provisions of this law must be liable for a civil penalty of up to $1,000.

Assembly Bill 3182 is codified as Civil Code Sections 4740 and 4741, and Government Code Sections 65852.2.

Effective January 1, 2021.

...

Young Writers Program Gala

Young Writers Program Gala

Dance Benefit Portuguese Hall

Friday, Feb. 21, 2020
6:00pm - 9:30pm
Portuguese Hall, Harvey West Park

Help fund the 2020-2021 writing publications and support Branciforte Middle School

Music by the Joint Chiefs, Silent Auction, Delicious Appetizers, Photo Booth, Poetry Readings, B40 Band, and Kids Corner.

young writers program gala dance benefit portuguese hall

...

Pros and Cons of Buying a New Construction

If you are in the market for a new home, you have probably wondered whether it would be better to choose an existing home or invest in a newly constructed home. Both options have advantages and disadvantages, so to decide which is right for you, it is important to focus on needs and desires. Here are some pros and cons of buying a new construction. 

Pro: Brand New Home 
Buying a new construction means you will be the first to occupy it. Everything is pristine, no one has ever used the oven or the blinds, and there are no hidden surprises. Some people prefer the “lived in” feeling of an existing home, but if you enjoy things that are clean and shiny and new, you will probably enjoy a new construction.

Con: Some Builders Are Not Great
If a home has existed for some time, it is likely that any building problems were fixed long ago. With a new construction, your home’s quality is only as good as its builder. A builder who cuts corners could leave you with a substandard home that has problems from the outset. Guard against this by looking beyond the builder’s website. Check with homeowners who used that builder to find out if they are happy, and search public records for significant complaints. 

Pro: Customization
Exactly how much you get to customize your new home depends on the nature of the construction. You have the most options if you hire an architect, a designer, and a general contractor to start from scratch, and the fewest options if you buy into a new development with a handful of floor plans.

Either way, you will get more choices than you would when buying an existing home, especially if you are interested in things like extra windows or underfloor heating that would be difficult to retrofit. If you enjoy the design process or are particular about everything...

Signs It’s Time to Buy a New House

The average person moves more than 11 times in his or her life, but it can be tough to know for sure if now is the right time. If you find yourself browsing property ads, are you really ready to buy a new house, or do you simply have wanderlust? Fortunately, you can look for these signs that it is definitely time to make a move. 

Your House Is Too Small 
If you’re in a starter home, it might have seemed huge compared to the apartment where you used to live. Eventually, though, a starter home can start to feel like a cage. If your family is growing or you simply want more space, it might be time to start looking for a bigger house.

Your House Is Too Big 
At the other end of the spectrum, you might be tired of cleaning and maintaining a sprawling home. If your kids have moved out and you are ready to start getting rid of “stuff,” downsizing can feel like a blessing. Start shopping for a smaller home. 

Your Neighborhood Is Unsafe
Neighborhoods tend to change over time. Unfortunately, sometimes they go downhill. If you’re afraid to walk around after dark or are starting to hear frequent police sirens, it might be better to move to a safer neighborhood.

Your Commute Is Unreal
Unfortunately, traffic is getting worse and worse across the country, making many people’s commute longer than ever before. If you’re tired of spending hours in the car twice a day, it may be time to look for a house closer to your office. 

The Stairs Aren’t Fun
For some people, aging takes its toll. Others develop chronic health conditions, often after an injury or illness. Regardless...

Want to Improve your Credit Standing? Know Your Credit Score for Free

charming carmel homes for sale

negative credit score

Why is that?

Unless you are  sleeping in a bed of $$$, a negative credit score can keep you from borrowing money to buy these charming homes in Carmel.

Improve your credit history to get better loan rates.  Check your credit score for FREE at www.annualcreditreport.com - the only source for free credit reports - Authorized by Federal Law.

"Have you checked your credit score recently? Millions of potential homebuyers could now have easier access to mortgages, following a change to the way the three largest U.S. credit reporting firms handle negative credit events.

That change is the National Consumer Assistance Plan (NCAP). Launched by Equifax, Experian and TransUnion, the plan sets forth the goal of making credit reports more accurate for consumers and makes it easier for them to correct any errors they may...

Yoga 101: Systems, Strategies, Solutions

In today's world, millions of people are searching for health strategies that can empower them to lead more productive, peaceful lives. If this is the case for you, it's important to know that yoga may be an exercise modality that you can use to realize your objective. Learn more about yoga now by reviewing the information provided in this quick reference guide:

Yoga: A Brief Overview

The Sanskrit word "yoga" translates to the term "yoke" in English. The term yoke is connected to the concept of attaching or joining. As many yogis know, the practice is designed to promote multiple types of union. First, yoga links the individual's mind and body. Yoga can also be utilized as a spiritual enterprise that promotes union between the human spirit and its divine source. Finally, sharing space with other people as one practices yoga can promote a sense of connection and community between individuals.

Different Types Of Yoga

Different types of yogaThere are multiple forms of yoga that an individual can practice. Some of the more popular forms include:

Hatha Yoga

Hatha Yoga is a relatively simple yoga style that has become immensely popular in America. Deemed the foundation for all yoga modalities,...

Home Owner Burglary Alert

Pest-Termite Tenting Burglary Alert

http://wbtw.com/2014/09/02/vandals-ransack-fl-house-and-damage-1980-corvette/I work in the Monterey Bay real estate market. I have become aware from a victim of a new type of burglary. When a home is tented for termites one has to vacate, poisonous gas is set off in the house and a big tent is draped over the house for several days.

I've learned that burglars are now attacking homes when they are most vulnerable. When the tent is on, the burglars have been cutting through the tenting or unclamping the seams and entering the house and ransacking it. It appears they would be wearing gas masks and using flashlights. As this tent is on for several days, it might be that the burglars are long gone before you get there and find your life and house has been turned upside down.

What can you do to prevent your home from being burglarized?

tented home for termites

When a home is fumigated, it is done by licensed pest control operators. They have the utility company turn off the gas to the house, then tent it. After the home is sealed, they set up cannisters that release the gas. When the allotted time 2-3 days often is up, they take the tent off ,then test for residual gas. If there is any, they open windows to allow the fumes to evacuate.

So during this time you can set your alarm after they...

Top 10 Ways to keep ants out of your house

10 Effective Ways to Keep Ants From Invading Your Home

Homeowners often complain about having their house invaded by ants during periods of rainy winter weather. It's only natural that ants will seek out higher and drier ground when rainwater begins filling their elaborate below-ground network. But preventing an annual ant invasion in your house just takes a little elbow grease and advance preparation. Here are 10 of the most effective ways to keep ants from invading yourCarmel home:

(1) Seal off the little critters from even accessing the cozy interior of your home in the first place by sealing off all door and window cracks using caulking, glue, putty or plaster. Even petroleum jelly will work as a temporary sealant.

(2) Mix some liquid dish detergent with water in a spray bottle. If you see even one scout ant on your kitchen countertop, spray it quickly with a blast from this bottle and they will never be able to report back to the troops.

(3) Place a thin quarter-inch unbroken line of powdered charcoal, cinnamon, citrus oil, baby powder or cayenne pepper inside door jams and window sills to serve as a barrier that ants won't cross.

(4) Clean your floors, tabletops and countertops with a solution of water and vinegar, removing any previous ant scent trails.

(5) At any place you notice ants entering your household, sprinkle crushed mint leaves, garlic salt, bay leaves or crushed cloves. Ants can't tolerate these odors.

(6) Keep all food items in closed containers. Be meticulous about wiping crumbs and other food droppings from tabletops, countertops and flooring because these can quickly attract ants.

(7) Mop or vacuum your floors daily, or at least every other day, to remove any traces of food particles that might attract ants....
Current Homes for Sale
Santa Cruz County
City # Price Range
Aptos Homes 48 $329k - $6.7m
Capitola Homes 33 $75k - $11.9m
Rio Del Mar / Seascape Homes 31 $405k - $6.7m
Santa Cruz Events 146 $30k - $10.0m
Santa Cruz Homes 146 $30k - $10.0m
Santa Cruz Real Estate 146 $30k - $10.0m
Monterey County
City # Price Range
$0-$300000 297 $100k - $5.5m
Alta Mesa-Monterey 297 $100k - $5.5m
Big Sur Homes 7 $1.3m - $30.0m
Carmel Homes 166 $15k - $24.0m
Fishermans Flats 297 $100k - $5.5m
Glenwood Circle Monterey 297 $100k - $5.5m
Monterey Homes For Sale 297 $100k - $5.5m
Oak Grove Monterey 297 $100k - $5.5m
Old Town Monterey 297 $100k - $5.5m
Pebble Beach Homes 53 $795k - $29.9m
New Listing

Email Alerts

Subscribe Today!
Why List

With Us?

Learn More!
What People

Are Saying

Recommendations!