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Insurance knowledge that protects what matters most.
Six training modules built for real estate and property professionals covering California policy basics, pricing shifts, disaster preparedness, claims navigation, and more. Each module includes five short video sessions and a downloadable tip sheet.
Training Modules
Start anywhere. Learn at your own pace.
MODULE 1
Insurance 101: Policy Basics
A foundational overview of policy types, what each one covers, and why the right coverage depends on how a property is being used.
1.1
Homeowners Insurance
- YouTube
1.2
Renters Insurance
- YouTube
1.3
Landlord Insurance
- YouTube
1.4
Commercial Property Policy
- YouTube
1.5
Business Owner Policy
- YouTube
↓ Tip sheet: Policy Types at a Glance
MODULE 2
Pricing Shifts
Why California insurance pricing has shifted dramatically. How to explain Prop 103, FAIR Plan expansion, and E&S market migration to your clients.
● Coming soon
2.1
Rising Premiums
- YouTube
2.2
Rising Premiums
- YouTube
2.3
The CA FAIR Plan
- YouTube
2.4
E&S Markets
- YouTube
2.5
Talking to Clients
- YouTube
↓ Tip sheet: Explaining the CA Market to Your Clients
MODULE 3
Helping clients choose adequate coverage
Practical tools for evaluating coverage options – replacement cost vs. actual cash value (ACV), coverage limits, dangerous exclusions, and the questions every property professional should be asking.
● Coming soon
3.1
RCV vs. ACV
- YouTube
3.2
Coverage Limits
- YouTube
3.3
Exclusions & Gaps
- YouTube
3.4
DIC & Umbrella
- YouTube
3.5
Key Questions
- YouTube
↓ Tip sheet: Coverage Adequacy Checklist for Renters, Owners & Small Landlords
MODULE 4
Before-disaster preparedness
What to do now — before a wildfire, tsunami, or other disaster. Documentation, defensible space, FireLine scores, and how to position clients for the best possible outcome if a claim becomes necessary.
● Coming soon
4.1
Home Inventory
- YouTube
4.2
Defensible Space
- YouTube
4.3
Before Fire Season
- YouTube
4.4
Emergency Planning
- YouTube
4.5
Tenant Obligations
- YouTube
↓ Tip sheet: before-disaster preparedness guide for property professionals
MODULE 5
After-Disaster claims navigation
What to do now — before a wildfire, tsunami, or other disaster. Documentation, defensible space, FireLine scores, and how to position clients for the best possible outcome if a claim becomes necessary.
● Coming soon
5.1
First 72 Hours
- YouTube
5.2
Filing a Claim
- YouTube
5.3
ALE & Loss of Rent
- YouTube
5.4
Denied, Delayed, or Underpaid
- YouTube
5.5
Refer to the Foundation
- YouTube
↓ Tip sheet: after-disaster claims navigation checklist
MODULE 6
California Insurance Market Updates
Carrier exits, regulatory changes, new state programs, and what’s on the horizon for wildfire-zone properties — keeping property professionals current.
● Coming soon
6.1
Carrier Exits
- YouTube
6.2
CDI Strategy
- YouTube
6.3
CA FAIR Plan Changes
- YouTube
6.4
Risk Scoring
- YouTube
6.5
What’s Next
- YouTube
↓ Tip sheet: CA market update — key facts for property professionals
Need help beyond the modules?
If a client has a denied, delayed, or underpaid claim, The Insurance Sanctuary Foundation offers no-cost, one-on-one advocacy. Refer them — or reach out on their behalf.
