Frequently Asked Questions

     What is NOT Covered on my Homeowner Insurance Policy?
      The standard homeowner’s insurance policy, also known as an HO-3 OR HO-5, covers your home for multiple perils, but there are some important exclusions.  Knowing what's covered and what isn't can save you a lot of
       money and heartache down the line if there were to be a claim. Here is a list of Seven perils that are not covered on any of the standard Basic, Broad or Special form homeowners insurance policies.
            1) Ordinance or Law- which may be added to the policy as an endorsement
            2) Earthquake- a separate policy is issued for coverage
             3) Flood – a separate policy is issued
            4) War -
            5) Nuclear Hazard
            6) Wear and Tear – due to lack of up keep and maintence of home
             7) Intentional Acts
        The coverage’s  listed above does not come standard on most homeowners insurance policies.


2 .  Why is my insurance premium so high? ---- How can the ISO rating on my home or dwelling  affect  my insurance premiums ?
ISO is an independent organization that rates buildings for many different factors that affect the insurability of home, structure and building.  Under the ISO program, called the Fire Suppression Rating Schedule, communities can score between1 and 10, with Class 1 being the most exemplary and Class 10 being the least. Historically, residential communities with the worst ISO ratings have had fire losses that were more than twice the amount of losses in communities with the best ratings, according to studies conducted by ISO.  The report is then given to insurers and insurance underwriters who use the information contained within the ISO report to provide an insurance premium. This means the ISO rating on your home is very important because a poor ISO rating can mean an increase in premium.  Such areas affected are Big Sur and areas of Carmel Valley,  Cachagua.  It can also mean a decrease in premium as well if you have measures in place that makes your home safer less combustible “ neighborhood” .

Our Location

Brown Spaulding & Associates

7th Avenue and Dolores Street
Carmel by the Sea, CA 93921
Main office: 831-624-1866
Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.