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District 99 Fondnazio – July 25

by

John Fondnazio Dist Dir email masthead + link to email

Don’t Let Insurance Kill Your Deal

Dear Friends and Colleagues,

The landscape of California’s homeowners’ insurance market is changing fast—and those changes are hitting home for REALTORS® like us. With skyrocketing FAIR Plan premiums, increased wildfire exposure, and new regulations rolling out, a delayed insurance conversation could easily derail your next deal.

This month we urge you to be on top of vital updates and practical guidance on California insurance. From court rulings on smoke damage to key legislative changes like AB 226, you’ll find critical tips on how to protect your clients—and your closings.

Let’s stay ahead of the curve and lead with confidence. Your voice, experience, and action are vital in shaping better insurance outcomes for all Californians.

Sincerely,

John

Navigating California’s Insurance Shakeup: What REALTORS® Need to Know Now

Burned house with smoldering objects

California’s homeowners insurance market has undergone sweeping changes since the spring, with skyrocketing FAIR Plan premiums, increased wildfire risk, and aggressive new state reforms reshaping how—and where—insurance is available. For REALTORS®, these shifts are more than headlines: they’re deal-changers that can stall escrows, disrupt renewals, and impact clients’ confidence in buying or selling property.

From record-high policy costs to a major court ruling on smoke damage coverage, and a bold regulatory push requiring insurers to return to wildfire-prone areas, understanding the current landscape is essential to advising clients and closing transactions.

REALTOR® Action Checklist:

Your Voice Matters: Help Shape CA’s Insurance Solutions

You’re on the frontlines of California’s housing market—and when insurance becomes a barrier to closing deals, renewing policies, or protecting your clients’ investments, you feel it first. That’s why C.A.R. has created the Homeowners Insurance Helpline—a free member benefit designed to support you and amplify your experiences by giving you a direct line to inform statewide solutions.

Share the biggest insurance-related pain points you and your clients are facing. Whether it’s trouble finding coverage, last-minute escrow delays, premium spikes, or renewal hurdles, your feedback helps influence policy and shape future services. 

Note: The helpline does not provide direct insurance quotes or case-by-case solutions. Calls are answered on a first come, first served basis.

MEMBERS ONLY

Mon – Fri 9am to 6pm

(213) 739-7225

Insu[email protected]

Start the Insurance Conversation Early.  Advise clients to begin exploring insurance options as soon as a property is listed or goes under contract—especially in high-risk areas.

Use the FAIR Plan Strategically, Not Automatically.  Stay informed about the FAIR Plan’s premium increases, expanded coverage options, and claims process changes. Know when it’s a useful fallback and when a traditional policy may be possible.

Know Your Client’s Rights.  Educate clients about nonrenewal moratoriums, 75-day cancellation notices, and available resources through the C.A.R. Homeowners Insurance Helpline.

FAIR Plan Reforms

CA Insurance Commissioner Lara is pushing reforms backed by Governor Newsom, implementing more transparency and requiring insurers to write policies in high risk zones if they wish to model future risk. | AB 226 (FAIR Plan Stabilization Act)  >

CA DEPT OF INSURANCE >

Document Property Risk Mitigation.  Encourage sellers and buyers to document defensible space, Class A roofing, fire hardening, and other risk-reduction upgrades to strengthen insurance eligibility.

Track Ongoing Legislative Changes. Monitor reforms like AB 226 and new Department of Insurance regulations requiring insurers to return to wildfire-prone areas. These may open up more options for your clients in the near future.

Report Issues to C.A.R. Submit challenges through the C.A.R. Insurance Helpline—your feedback helps shape advocacy efforts and future tools.

CCRE Expert Insights on Insurance 

The Center for California Real Estate’s (CCRE)  July 2025 report proposes solutions to stabilize the homeowners insurance market while empowering REALTORS® to guide clients on risk reduction.

Correction: Disclaimer and Disclosure Updates Email

We’d like to issue a correction to the Disclaimer and Disclosure Updates email sent earlier today. In the section referencing:

  • El Cerrito Real Estate Transfer Tax Rebate (Paragraph 48): Language was updated to reflect a Seller can provide a letter to the City of San Pablo releasing their portion of the rebate to the Buyer.

The reference to the City of San Pablo was incorrect. It should read:

  • El Cerrito Real Estate Transfer Tax Rebate (Paragraph 48): Language was updated to reflect a Seller can provide a letter to the City of El Cerrito releasing their portion of the rebate to the Buyer.

We apologize for the oversight and appreciate your understanding.

CCAR CALENDAR >
24/7 VIDEO TRAINING >
LICENSE RENEWAL >

CCAR ANNUAL SPONSORS

LeadHax logo/link

District 99 Myers – July 25

by

Judy Myers Dist Dir Email masthead + link to email

Don’t Let Insurance Kill Your Deal

Dear Friends and Colleagues,

The landscape of California’s homeowners’ insurance market is changing fast—and those changes are hitting home for REALTORS® like us. With skyrocketing FAIR Plan premiums, increased wildfire exposure, and new regulations rolling out, a delayed insurance conversation could easily derail your next deal.

This month we urge you to be on top of vital updates and practical guidance on California insurance. From court rulings on smoke damage to key legislative changes like AB 226, you’ll find critical tips on how to protect your clients—and your closings.

Let’s stay ahead of the curve and lead with confidence. Your voice, experience, and action are vital in shaping better insurance outcomes for all Californians.

Sincerely,

Judy

Navigating California’s Insurance Shakeup: What REALTORS® Need to Know Now

Burned house with smoldering objects

California’s homeowners insurance market has undergone sweeping changes since the spring, with skyrocketing FAIR Plan premiums, increased wildfire risk, and aggressive new state reforms reshaping how—and where—insurance is available. For REALTORS®, these shifts are more than headlines: they’re deal-changers that can stall escrows, disrupt renewals, and impact clients’ confidence in buying or selling property.

From record-high policy costs to a major court ruling on smoke damage coverage, and a bold regulatory push requiring insurers to return to wildfire-prone areas, understanding the current landscape is essential to advising clients and closing transactions.

REALTOR® Action Checklist:

Your Voice Matters: Help Shape CA’s Insurance Solutions

You’re on the frontlines of California’s housing market—and when insurance becomes a barrier to closing deals, renewing policies, or protecting your clients’ investments, you feel it first. That’s why C.A.R. has created the Homeowners Insurance Helpline—a free member benefit designed to support you and amplify your experiences by giving you a direct line to inform statewide solutions.

Share the biggest insurance-related pain points you and your clients are facing. Whether it’s trouble finding coverage, last-minute escrow delays, premium spikes, or renewal hurdles, your feedback helps influence policy and shape future services. 

Note: The helpline does not provide direct insurance quotes or case-by-case solutions. Calls are answered on a first come, first served basis.

MEMBERS ONLY

Mon – Fri 9am to 6pm

(213) 739-7225

Insu[email protected]

Start the Insurance Conversation Early.  Advise clients to begin exploring insurance options as soon as a property is listed or goes under contract—especially in high-risk areas.

Use the FAIR Plan Strategically, Not Automatically.  Stay informed about the FAIR Plan’s premium increases, expanded coverage options, and claims process changes. Know when it’s a useful fallback and when a traditional policy may be possible.

Know Your Client’s Rights.  Educate clients about nonrenewal moratoriums, 75-day cancellation notices, and available resources through the C.A.R. Homeowners Insurance Helpline.

FAIR Plan Reforms

CA Insurance Commissioner Lara is pushing reforms backed by Governor Newsom, implementing more transparency and requiring insurers to write policies in high risk zones if they wish to model future risk. | AB 226 (FAIR Plan Stabilization Act)  >

CA DEPT OF INSURANCE >

Document Property Risk Mitigation.  Encourage sellers and buyers to document defensible space, Class A roofing, fire hardening, and other risk-reduction upgrades to strengthen insurance eligibility.

Track Ongoing Legislative Changes. Monitor reforms like AB 226 and new Department of Insurance regulations requiring insurers to return to wildfire-prone areas. These may open up more options for your clients in the near future.

Report Issues to C.A.R. Submit challenges through the C.A.R. Insurance Helpline—your feedback helps shape advocacy efforts and future tools.

CCRE Expert Insights on Insurance 

The Center for California Real Estate’s (CCRE)  July 2025 report proposes solutions to stabilize the homeowners insurance market while empowering REALTORS® to guide clients on risk reduction.

Correction: Disclaimer and Disclosure Updates Email

We’d like to issue a correction to the Disclaimer and Disclosure Updates email sent earlier today. In the section referencing:

  • El Cerrito Real Estate Transfer Tax Rebate (Paragraph 48): Language was updated to reflect a Seller can provide a letter to the City of San Pablo releasing their portion of the rebate to the Buyer.

The reference to the City of San Pablo was incorrect. It should read:

  • El Cerrito Real Estate Transfer Tax Rebate (Paragraph 48): Language was updated to reflect a Seller can provide a letter to the City of El Cerrito releasing their portion of the rebate to the Buyer.

We apologize for the oversight and appreciate your understanding.

CCAR CALENDAR >
24/7 VIDEO TRAINING >
LICENSE RENEWAL >

CCAR ANNUAL SPONSORS

LeadHax logo/link

District 99 Wright – July 25

by

Tyra Wright Dist Dir email masthead + link to email

Don’t Let Insurance Kill Your Deal

Dear Friends and Colleagues,

The landscape of California’s homeowners’ insurance market is changing fast—and those changes are hitting home for REALTORS® like us. With skyrocketing FAIR Plan premiums, increased wildfire exposure, and new regulations rolling out, a delayed insurance conversation could easily derail your next deal.

This month we urge you to be on top of vital updates and practical guidance on California insurance. From court rulings on smoke damage to key legislative changes like AB 226, you’ll find critical tips on how to protect your clients—and your closings.

Let’s stay ahead of the curve and lead with confidence. Your voice, experience, and action are vital in shaping better insurance outcomes for all Californians.

Sincerely,

Tyra

Navigating California’s Insurance Shakeup: What REALTORS® Need to Know Now

Burned house with smoldering objects

California’s homeowners insurance market has undergone sweeping changes since the spring, with skyrocketing FAIR Plan premiums, increased wildfire risk, and aggressive new state reforms reshaping how—and where—insurance is available. For REALTORS®, these shifts are more than headlines: they’re deal-changers that can stall escrows, disrupt renewals, and impact clients’ confidence in buying or selling property.

From record-high policy costs to a major court ruling on smoke damage coverage, and a bold regulatory push requiring insurers to return to wildfire-prone areas, understanding the current landscape is essential to advising clients and closing transactions.

REALTOR® Action Checklist:

Your Voice Matters: Help Shape CA’s Insurance Solutions

You’re on the frontlines of California’s housing market—and when insurance becomes a barrier to closing deals, renewing policies, or protecting your clients’ investments, you feel it first. That’s why C.A.R. has created the Homeowners Insurance Helpline—a free member benefit designed to support you and amplify your experiences by giving you a direct line to inform statewide solutions.

Share the biggest insurance-related pain points you and your clients are facing. Whether it’s trouble finding coverage, last-minute escrow delays, premium spikes, or renewal hurdles, your feedback helps influence policy and shape future services. 

Note: The helpline does not provide direct insurance quotes or case-by-case solutions. Calls are answered on a first come, first served basis.

MEMBERS ONLY

Mon – Fri 9am to 6pm

(213) 739-7225

Insu[email protected]

Start the Insurance Conversation Early.  Advise clients to begin exploring insurance options as soon as a property is listed or goes under contract—especially in high-risk areas.

Use the FAIR Plan Strategically, Not Automatically.  Stay informed about the FAIR Plan’s premium increases, expanded coverage options, and claims process changes. Know when it’s a useful fallback and when a traditional policy may be possible.

Know Your Client’s Rights.  Educate clients about nonrenewal moratoriums, 75-day cancellation notices, and available resources through the C.A.R. Homeowners Insurance Helpline.

FAIR Plan Reforms

CA Insurance Commissioner Lara is pushing reforms backed by Governor Newsom, implementing more transparency and requiring insurers to write policies in high risk zones if they wish to model future risk. | AB 226 (FAIR Plan Stabilization Act)  >

CA DEPT OF INSURANCE >

Document Property Risk Mitigation.  Encourage sellers and buyers to document defensible space, Class A roofing, fire hardening, and other risk-reduction upgrades to strengthen insurance eligibility.

Track Ongoing Legislative Changes. Monitor reforms like AB 226 and new Department of Insurance regulations requiring insurers to return to wildfire-prone areas. These may open up more options for your clients in the near future.

Report Issues to C.A.R. Submit challenges through the C.A.R. Insurance Helpline—your feedback helps shape advocacy efforts and future tools.

CCRE Expert Insights on Insurance 

The Center for California Real Estate’s (CCRE)  July 2025 report proposes solutions to stabilize the homeowners insurance market while empowering REALTORS® to guide clients on risk reduction.

Correction: Disclaimer and Disclosure Updates Email

We’d like to issue a correction to the Disclaimer and Disclosure Updates email sent earlier today. In the section referencing:

  • El Cerrito Real Estate Transfer Tax Rebate (Paragraph 48): Language was updated to reflect a Seller can provide a letter to the City of San Pablo releasing their portion of the rebate to the Buyer.

The reference to the City of San Pablo was incorrect. It should read:

  • El Cerrito Real Estate Transfer Tax Rebate (Paragraph 48): Language was updated to reflect a Seller can provide a letter to the City of El Cerrito releasing their portion of the rebate to the Buyer.

We apologize for the oversight and appreciate your understanding.

CCAR CALENDAR >
24/7 VIDEO TRAINING >
LICENSE RENEWAL >

CCAR ANNUAL SPONSORS

LeadHax logo/link

District 99 Hall – July 25

by

Don’t Let Insurance Kill Your Deal

Dear Friends and Colleagues,

The landscape of California’s homeowners’ insurance market is changing fast—and those changes are hitting home for REALTORS® like us. With skyrocketing FAIR Plan premiums, increased wildfire exposure, and new regulations rolling out, a delayed insurance conversation could easily derail your next deal.

This month we urge you to be on top of vital updates and practical guidance on California insurance. From court rulings on smoke damage to key legislative changes like AB 226, you’ll find critical tips on how to protect your clients—and your closings.

Let’s stay ahead of the curve and lead with confidence. Your voice, experience, and action are vital in shaping better insurance outcomes for all Californians.

Sincerely,

Zina

Navigating California’s Insurance Shakeup: What REALTORS® Need to Know Now

Burned house with smoldering objects

California’s homeowners insurance market has undergone sweeping changes since the spring, with skyrocketing FAIR Plan premiums, increased wildfire risk, and aggressive new state reforms reshaping how—and where—insurance is available. For REALTORS®, these shifts are more than headlines: they’re deal-changers that can stall escrows, disrupt renewals, and impact clients’ confidence in buying or selling property.

From record-high policy costs to a major court ruling on smoke damage coverage, and a bold regulatory push requiring insurers to return to wildfire-prone areas, understanding the current landscape is essential to advising clients and closing transactions.

REALTOR® Action Checklist:

Your Voice Matters: Help Shape CA’s Insurance Solutions

You’re on the frontlines of California’s housing market—and when insurance becomes a barrier to closing deals, renewing policies, or protecting your clients’ investments, you feel it first. That’s why C.A.R. has created the Homeowners Insurance Helpline—a free member benefit designed to support you and amplify your experiences by giving you a direct line to inform statewide solutions.

Share the biggest insurance-related pain points you and your clients are facing. Whether it’s trouble finding coverage, last-minute escrow delays, premium spikes, or renewal hurdles, your feedback helps influence policy and shape future services. 

Note: The helpline does not provide direct insurance quotes or case-by-case solutions. Calls are answered on a first come, first served basis.

MEMBERS ONLY

Mon – Fri 9am to 6pm

(213) 739-7225

Insu[email protected]

Start the Insurance Conversation Early.  Advise clients to begin exploring insurance options as soon as a property is listed or goes under contract—especially in high-risk areas.

Use the FAIR Plan Strategically, Not Automatically.  Stay informed about the FAIR Plan’s premium increases, expanded coverage options, and claims process changes. Know when it’s a useful fallback and when a traditional policy may be possible.

Know Your Client’s Rights.  Educate clients about nonrenewal moratoriums, 75-day cancellation notices, and available resources through the C.A.R. Homeowners Insurance Helpline.

FAIR Plan Reforms

CA Insurance Commissioner Lara is pushing reforms backed by Governor Newsom, implementing more transparency and requiring insurers to write policies in high risk zones if they wish to model future risk. | AB 226 (FAIR Plan Stabilization Act)  >

CA DEPT OF INSURANCE >

Document Property Risk Mitigation.  Encourage sellers and buyers to document defensible space, Class A roofing, fire hardening, and other risk-reduction upgrades to strengthen insurance eligibility.

Track Ongoing Legislative Changes. Monitor reforms like AB 226 and new Department of Insurance regulations requiring insurers to return to wildfire-prone areas. These may open up more options for your clients in the near future.

Report Issues to C.A.R. Submit challenges through the C.A.R. Insurance Helpline—your feedback helps shape advocacy efforts and future tools.

CCRE Expert Insights on Insurance 

The Center for California Real Estate’s (CCRE)  July 2025 report proposes solutions to stabilize the homeowners insurance market while empowering REALTORS® to guide clients on risk reduction.

Correction: Disclaimer and Disclosure Updates Email

We’d like to issue a correction to the Disclaimer and Disclosure Updates email sent earlier today. In the section referencing:

  • El Cerrito Real Estate Transfer Tax Rebate (Paragraph 48): Language was updated to reflect a Seller can provide a letter to the City of San Pablo releasing their portion of the rebate to the Buyer.

The reference to the City of San Pablo was incorrect. It should read:

  • El Cerrito Real Estate Transfer Tax Rebate (Paragraph 48): Language was updated to reflect a Seller can provide a letter to the City of El Cerrito releasing their portion of the rebate to the Buyer.

We apologize for the oversight and appreciate your understanding.

CCAR CALENDAR >
24/7 VIDEO TRAINING >
LICENSE RENEWAL >

CCAR ANNUAL SPONSORS

LeadHax logo/link

CCAR Product Testimonials

by

Rolanda Wilson Masthead + Link to email

Smarter Tools, Stronger Agents: AI Trends Reshaping Real Estate

Dear Friends and Colleagues,

As our industry continues to evolve at an unprecedented pace, I want to personally invite you to explore the transformative role artificial intelligence is playing in real estate today. In this newsletter, you’ll learn how AI-powered tools are already enhancing property valuations, streamlining marketing strategies, and improving client engagement through virtual assistants and predictive analytics.

AI computer graphic

2025 AI Forecast for Agents and Brokers

Technology tools image

CCAR AI Tools Available Now, Plus More Coming Soon

Embracing innovations in AI can give you a competitive edge, improve client experience, and help you work more efficiently.

These are no longer tools of the future—they are shaping our profession now. I encourage you to read this newsletter and see how your business can benefit from adopting these technologies. To learn more you can also participate in CCAR’s upcoming AI education courses including a free virtual session on June 25, “Become Irreplaceable – Make AI Work For You.” You’ll gain real-world insights from industry leaders on using AI while strengthening the most important asset in real estate: your relationships.

Let’s lead the way together.

Best Regards,

Rolanda

Unlock Your Potential with AI

Marki Lemons AI Mastery book ad + link to purchase

Take your real estate career to the next level with Marki Lemons’ ultimate guide to mastering the skills that drive success. Learn powerful techniques for prospecting, lead generation, and client acquisition, and gain the confidence to negotiate and close deals with ease. Discover how to craft compelling marketing materials that captivate buyers and set you apart from the competition.

This book also dives deep into digital marketing, social media engagement, and AI-driven tools that will streamline your workflow and maximize your reach.  |  LEARN MORE >

As AI continues to evolve, its integration into real estate is expected to deepen, further transforming how properties are bought, sold, and managed. Following are just a few of the most exciting innovations being used today:

Personalized Property Search: AI-powered platforms are now delivering hyper-personalized property suggestions by analyzing user preferences, behaviors, and historical data to match buyers with properties that align closely with their desires, streamlining the search process. 

Customer Engagement: The integration of AI-powered chatbots and virtual assistants has revolutionized client interactions in real estate. These tools provide 24/7 support, managing inquiries, filtering leads, and scheduling appointments, thereby enhancing customer service and allowing agents to focus on more complex tasks.

Virtual Staging & Tours: AI technologies are being employed to create realistic virtual staging and immersive property tours. These tools generate professional-quality photos and 3D walkthroughs, allowing potential buyers to visualize properties remotely, which is especially beneficial in today’s digital-first market.

Auto Document Management: AI is streamlining the management of real estate documents by automating the review and analysis of lease agreements, loan documents, and service contracts. This automation reduces errors, ensures compliance, and accelerates transaction processes.

Marketing: AI is transforming real estate marketing by analyzing customer data to run targeted advertising campaigns. These AI-powered tools evaluate website visitor behavior, social media engagement, and email responses to identify promising leads, optimize marketing strategies, and attract serious buyers while minimizing unnecessary advertising costs.  |  LEARN MORE >

RPR Residential Market Trends Script Writer enables  agents to create digestible market summaries based on hyper-local market data. Users can:

Choose from different tones, including professional, engaging, conversational or friendly/casual.

Target messages to buyers, sellers, both, first-time buyers, move-up buyers, investors, luxury sellers and more.

Receive video scripts and social media posts, based on local market trends stats, that can be quickly shared on social channels, emails, websites or presentations.

RPR Residential Market Trends Script Writer is a game-changer for market updates and neighborhood expertise.| TRY IT NOW >

AI Property Insights in RPR Mobile App: The AI button in any Property Details page brings professional polish and insight directly to your clients in seconds, right from your phone and allows you to instantly generate a property summary based on property data; pull from RPR’s Market Trends stats to give a basic understanding of market type, pricing comparisons and monthly inventory levels; choose from several tones and client types’ and share quick insights while on tours, at open houses or in initial conversations. | GET APP >

RealReports is an AI-driven platform that delivers instant, in-depth property reports by pulling data from over 60 trusted sources. Think permits, climate risk, zoning, liens, valuations, and more—all consolidated in one clean, comprehensive report. | MORE >

UPCOMING AI COURSES & EVENTS

JUN 12

JUN 12

AI-Powered Real Estate: Unleashing Practical Strategies for Success  |  VIRTUAL  |  Jun 12  |  10:00 – 11:00 am  |  Free  |  This session will guide you through a simplified and easy-to-understand overview of AI technologies and their applications in the real estate sector. We will specifically dive into how AI can revolutionize your marketing strategies, empowering you to reach wider audiences, attract qualified leads, and achieve unparalleled success. | REGISTER >

YPN Lunch & Learn: Master the Market – Strategic Pricing, Persuasive Presentation & the Power of AI  |  LIVE  |  Jun 12  |  11:00 am – 2:00 pm  |  $25 Online/$35 @ Door  |  Don Tatzin Community Hall, 3491 Mt. Diablo Blvd., Lafayette  |  CCAR YPN is bringing together two of the industry’s most dynamic voices — Keith Robinson, Co-CEO of NextHome, and Anthony Young, Certified RE Appraiser and educator — for a deep dive into what’s really happening in today’s market. Get fresh insight on navigating pricing and commission conversations, and discover practical ways to use AI that actually help you close more deals. It’s real talk from real pros. | REGISTER >

JUN 25

Become Irreplaceable – Make AI Work For You  |  VIRTUAL  |  Jun 25  |  1:00 – 2:00 pm |  Free  | Instructor: Warren Dow  | This session will explore practical use cases for agents to provide value to clients, generate leads, and mitigate risk. Now is the time to get ahead and embrace the new tools and technology that will permanently widen the gap between you and the competition.  |  REGISTER  >

ANYTIME

Getting Started w/ Generative AI to Improve Your Real Estate Business  |  ON-DEMAND VIDEO |  Anytime  |  $25 Member | Artificial Intelligence is here and it’s going to do everything. We can just relax and somehow, we’ll make money faster, right? RIGHT? Not quite. Robots aren’t ready to run 100% of anything yet but maybe they can help! This is an introductory course designed to explain the basics of what Generative AI is, how it can be used, and what real estate professionals need to look out for. |  REGISTER  >

TIME

9:30 – 10:00 am

NAME

EMAIL

PRODUCT

10:00 – 10:30 am

11:00 – 11:30 am

CCAR CALENDAR >
24/7 VIDEO TRAINING >
LICENSE RENEWAL >

CCAR ANNUAL SPONSORS

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