619-993-3627
Home Owners Insurance Inspections
Homeowners insurance is a crucial form of protection for what is often a person's largest asset. It safeguards the home and its contents from damage or loss due to unexpected events like fire, theft, or natural disasters, and provides liability coverage if someone is injured on the property. For most homeowners with a mortgage, it is a required part of their loan agreement.
However, obtaining homeowners insurance has become increasingly difficult in California, primarily due to the rising frequency and severity of natural disasters, particularly wildfires. Major insurance companies are pulling out of the state or no longer writing new policies, as they find it challenging to cover the high costs of these catastrophic events. This issue is compounded by state regulations, such as Proposition 103, which have historically prevented insurers from setting rates based on forward-looking risk models, making it difficult for them to price policies appropriately for the current climate risks. This has left many homeowners with limited and more expensive options, often turning to the state's "insurer of last resort," the California FAIR Plan, which provides more basic coverage.
In 2024 I would have told you that we performed may two home insurance inspections a year. Now, we perform about two a week. More and more we see that insurance companies want to take little to no risk at all. Defects with the home that we would typically label as age and/or neighborhood appropriate have become points of contention with the insurers. Claims are getting denied and held up over items such as roofs that are to old, recalled electrical panels, recalled plumbing materials, and more. Older homes are encountering more and more hurdles in the state of California. You may find yourself having to make upgrades that you didn't anticipate, and we cannot predict what may be asked of you.
We'll update this page more in time, but for now we want to get your thinking about those next steps and what could come up as a result of the age and condition of the home you're purchasing.
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Check, ACH, Zelle, Venmo
$550 (0–2,000 sq. ft.)
$580 (2,001–2,500 sq. ft.)
$620 (2,501–3,000 sq. ft.)
$720 (3,001–3,500 sq. ft.)
$760 (3,501–4,000 sq. ft.)
$810 (4,001–4,500 sq. ft.)
$860 (4,501–5,000 sq. ft.)
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+ 3.95% Technology
$550 (0–2,000 sq. ft.)
$580 (2,001–2,500 sq. ft.)
$620 (2,501–3,000 sq. ft.)
$720 (3,001–3,500 sq. ft.)
$760 (3,501–4,000 sq. ft.)
$810 (4,001–4,500 sq. ft.)
$860 (4,501–5,000 sq. ft.)
Modern, Mobile Friendly Reporting
Immediate report publication gets you off to the races faster
We commit to immediate reporting. All observations are documented in real time, ensuring that your report is complete and ready for review at the end of the inspection.
Web-based HTML reports with the option to download to PDF
You and your client have the option to view the report online in full resolution and detail, or to download the report to PDF for an old-fashioned kinetic approach to study and ease of sharing.
High-resolution images and video reporting
Photos and video ensure all parties involved have a firm grasp on the reality of the situation. Be sure to tell us if your client is out of town so that your inspector can make video observation on important and often confusing items.
Informative observations illustrate and educate
Our formula for reporting is simple: the observation, the implication, and our recommendation. While other companies look for shortcuts in their reporting by employing "such as but not limited to" comments, we use specific comments for each defect observed. This means that you and your client learn about the reality of the defect observed and what your next steps are.
Focus Home Inspection LLC is a state-of-the-art, family-owned home inspection company that offers complete home inspection services to the Southern California area including: San Diego, Escondido, Oceanside, Chula Vista, Carlsbad, San Marcos, Ramona, El Cajon, La Mesa, Vista, Poway, Santee, Lakeside, Encinitas, Valley Center, La Jolla, Spring Valley, Lemon Grove, Del Mar, Rancho Santa Fe, National City, Imperial Beach, Murrieta, Fallbrook, Coronado, Julian, Bonsall, Solana Beach, Pacific Beach, Ocean Beach, Point Loma, Cardiff-By-The-Sea, Rancho Bernardo, East Lake, Alpine, Anaheim, Corona Del Mar, Buena Park, Aliso Viejo, Atwood, Costa Mesa, Cypress, Capistrano Beach, Brea, Irvine, Fountain Valley, Dana Point, Fullerton, Newport Beach, Garden Grove, El Toro, La Habra, Newport Coast, Huntington Beach, Foothill Ranch, Orange, Santa Ana, La Palma, Ladera Ranch, Placentia, Tustin, Los Alamitos, Laguna Beach, Silverado, Midway City, Laguna Hills, Villa Park, Seal Beach, Laguna Niguel, Yorba Linda, Stanton, Lake Forest, Sunset Beach, Mission Viejo, Surfside, Rancho St. Margarita, Westminster, San Clemente, San Juan Capistrano, Trabuco Canyon, Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Corona, Eastvale, Hemet, Lake Elsinore, La Quinta, Menifee, Moreno Valley, Murrieta, Norco, Perris, Riverside, San Jacinto, Temecula, and Wildomar.