A recording of the event and links to resources are provided at the bottom of this page.

**Town Hall rental fee generously waived by Idyllwild Community Center**

5:30PM
DOORS OPEN
Light refreshments served.
Childcare available.

6:00PM
Presentation on “Sustainable Insurance Strategy” by Sharon Smith from the CA Department of Insurance

California’s Sustainable Insurance Strategy represents a proactive and comprehensive approach to safeguarding the interests of Californians in the face of climate change challenges. By taking these decisive actions, Commissioner Lara and Governor Gavin Newsom aim to foster a sustainable insurance market that will benefit consumers and businesses across the state, ensuring a safer and more secure future for all.

6:45PM
Bob Severns of Severns Insurance in Hemet will talk about some general property insurance issues

• Standard Market Insurance, Surplus-line, and California Fair Plan.
• The danger of being underinsured and overinsured
• What is the blue-print of your insurance policy: Actual Cash Value versus Replacement Cost?
• Additional Interest vs. Additional Insured
• ‘Real’ versus ‘Personal’ property – Why insurance carriers deny homeowner insurance claim or under-pay in the event of Claims?
• Insurance policy types: HO5, HO3, HO6, HO4, DP1, DP3.
• Properties: Seasonal, Primary, Pro-bate property, Vacant, Rental,
Commercial/Business, and Vacant land.
• General Liability and Personal Injury Liability – What can happen?
• Deductibles: Declaration exclusions of ‘perils’ and co-insurance clause – what you don’t know can hurt you?
• Residential workers compensation, in-home and/or outside employees
• Additional living expenses and loss of rent
• What types of endorsements or add-ons might be useful?
• Are you prepared when it comes to property insurance claims?

7:30PM
Home Insurance Shopping Video by United Policyholders

7:45PM
Q&A with guests and MCFSC Staff

8:00PM
ADJOURNMENT