https://bestinsuranceresearch.com/ Questions, coverage pages, entity records, and tools as they are reviewed, re-checked against their sources, or corrected. en-us WJB Services, Inc. dba Bollinsure Insurance Services Sun, 06 Sep 2026 12:00:00 GMT https://bestinsuranceresearch.com/questions/free-look-return-life-policy-annuity-california https://bestinsuranceresearch.com/questions/free-look-return-life-policy-annuity-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Yes, within a window printed on the policy, and not always everything. Every individual life policy and annuity contract issued for delivery in California must carry a notice on the jacket or cover page that it may be returned for cancellation, with the period clearly stated and set at not less than 10 days nor more than 30. A purchaser aged 60 or older on the date of purchase has 30 days. On a va (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/customer-harasses-my-employee-liability-california https://bestinsuranceresearch.com/questions/customer-harasses-my-employee-liability-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question In California, yes, in defined circumstances. An employer may be responsible for the acts of nonemployees with respect to harassment of employees, applicants, unpaid interns or volunteers, or people providing services under a contract in the workplace, where the employer or its agents or supervisors knew or should have known of the conduct and failed to take immediate and appropriate corrective ac (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/insurance/condominium-unit-owners-california https://bestinsuranceresearch.com/insurance/condominium-unit-owners-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Coverage The policy an individual owner buys for the part of a common interest development that is theirs, written against a boundary set by statute and by the declaration rather than by the policy. Unless the declaration or condominium plan provides otherwise, the interior surfaces of the perimeter walls, floors, ceilings, windows, doors and outlets are part of the separate interest, and any other portion (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/did-florida-repeal-no-fault https://bestinsuranceresearch.com/questions/did-florida-repeal-no-fault#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question No. Two attempts have failed and the Florida Motor Vehicle No-Fault Law is still in place. CS/CS/SB 54 in 2021 was titled Motor Vehicle Insurance and its description included repealing the provisions comprising the No-Fault Law; the Senate's bill history records that it was vetoed by the Governor on June 29, 2021. HB 1181 in 2025 would have repealed provisions relating to application of the law an (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/flood-insurance-living-expenses https://bestinsuranceresearch.com/questions/flood-insurance-living-expenses#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question No. The Standard Flood Insurance Policy excludes any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason, and also excludes loss of revenue or profits and loss from interruption of business or production. Flood routinely empties a home for months, and this policy pays nothing toward living elsewhere during that time. (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/employee-driving-own-car-for-work-coverage https://bestinsuranceresearch.com/questions/employee-driving-own-car-for-work-coverage#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question It can cover the business, and it does not cover the employee. Symbol 9, Non-owned Autos Only, reaches autos you do not own, lease, hire, rent or borrow that are used in connection with your business, and it expressly includes autos owned by your employees, partners or members or members of their households. But Who Is An Insured removes your employee where the covered auto is owned by that employ (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/does-renters-insurance-cover-earthquake-or-flood-california https://bestinsuranceresearch.com/questions/does-renters-insurance-cover-earthquake-or-flood-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Neither, with one important exception. Homeowners, renters and condominium policies do not cover damage from natural disasters such as earthquakes, floods and landslides, and flood losses are generally not provided in a homeowners or renters policy. The exception is fire: California law says both homeowners and renters insurance must cover fire damage that is caused by or follows an earthquake. (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/does-title-insurance-cover-future-problems-california https://bestinsuranceresearch.com/questions/does-title-insurance-cover-future-problems-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Generally no, and that is what makes this line different from every other policy. California defines title insurance as indemnifying against loss by reason of liens or encumbrances on or defects in the title, invalidity or unenforceability of liens, and incorrectness of searches relating to the title. Each of those is a condition of the title as it already stands, which is also why the policy is b (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/insurance/employer-group-health-federal https://bestinsuranceresearch.com/insurance/employer-group-health-federal#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Coverage Not a policy form so much as a set of federal obligations that attach to one. Two bodies of law do most of the work: the continuation rules that let a person keep group coverage after they would otherwise lose it, and the shared responsibility rules that decide which employers must offer coverage at all. Both are statute, so unlike most lines the governing text can be read in full. A person losing (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/insurance/employment-practices-liability https://bestinsuranceresearch.com/insurance/employment-practices-liability#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Coverage Cover for claims arising from the employment relationship: discrimination, harassment, retaliation, and the related failures the law treats as wrongs in themselves. The policy form is not public and differs by insurer, so this page does not describe one. What is public is the liability the form responds to, and almost all of it is statute: in California the Fair Employment and Housing Act makes di (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/am-i-an-applicable-large-employer https://bestinsuranceresearch.com/questions/am-i-an-applicable-large-employer#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question As an average over the previous calendar year, counting part-time hours as fractions of a person. An applicable large employer is one who employed an average of at least 50 full-time employees on business days during the preceding calendar year. Full-time means employed on average at least 30 hours of service per week for the month, and part-time hours are converted by dividing the aggregate month (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/miller-act-payment-bond-deadlines https://bestinsuranceresearch.com/questions/miller-act-payment-bond-deadlines#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question One year to sue, and for some claimants a 90 day notice before that. An action must be brought no later than one year after the day the claimant last performed labor or supplied material. A claimant with a contract with a subcontractor but none with the prime must additionally give the prime written notice within 90 days of that same date. Both clocks run from your own last day of work, not from w (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/how-long-to-elect-cobra-continuation https://bestinsuranceresearch.com/questions/how-long-to-elect-cobra-continuation#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question At least 60 days, and the clock is generous about a late notice. The election period begins not later than the date coverage terminates by reason of the qualifying event, runs for at least 60 days, and ends not earlier than 60 days after the later of that date or the date you receive the notice. So a notice that arrives late moves the deadline rather than eating into it. Payment is not required be (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/how-long-to-file-employment-claim-california https://bestinsuranceresearch.com/questions/how-long-to-file-employment-claim-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Three years for a California complaint, and far less federally. A complaint alleging a violation of section 12940 may not be filed with the department after three years from the date the unlawful practice occurred. A federal charge generally must be filed within 180 calendar days, extended to 300 where a state or local agency enforces a law prohibiting the same conduct. The two run in parallel on (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/workers-comp-and-employers-liability-difference https://bestinsuranceresearch.com/questions/workers-comp-and-employers-liability-difference#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Because they answer different things. The workers compensation half pays the benefits the state requires for injuries that are subject to the compensation laws, and California requires every employer to secure that. Employers liability is offered under Part Two of the same policy, and the regulator describes it as protecting the employer against instances in which an employee's injury or disease i (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/insurance/individual-life-california https://bestinsuranceresearch.com/insurance/individual-life-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Coverage A policy that pays on death, and in California a set of statutory protections that attach to it whatever product form it takes. The provisions that matter most are not about what is covered but about how the policy can be lost and how long a buyer has to change their mind: a grace period of not less than 60 days that does not run concurrently with paid coverage, a lapse notice that is not effectiv (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/flood-insurance-basement-contents https://bestinsuranceresearch.com/questions/flood-insurance-basement-contents#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Very little. Below the lowest elevated floor or in a basement, the only personal property the Standard Flood Insurance Policy covers is air conditioning units of the portable or window type, clothes washers and dryers, and food freezers other than walk-in together with the food in any freezer. That is the entire list. A defined set of building items is also covered there, but they must be installe (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/what-is-a-preliminary-report-california https://bestinsuranceresearch.com/questions/what-is-a-preliminary-report-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question No to both, and the statute says so directly. A preliminary report, commitment or binder is furnished in connection with an application for title insurance and is an offer to issue a policy subject to the stated exceptions set forth in it. The same section provides that such reports are not abstracts of title and do not constitute a representation as to the condition of title. The exceptions are t (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/nonrenewal-after-wildfire-moratorium-california https://bestinsuranceresearch.com/questions/nonrenewal-after-wildfire-moratorium-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Probably not, if your ZIP Code is on the commissioner's list. An insurer shall not cancel or refuse to renew a policy of residential property insurance for a property in any ZIP Code within or adjacent to the fire perimeter, for one year after the declaration of a state of emergency, based solely on the fact that the structure is in an area where a wildfire occurred. The protection attaches to whe (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/total-loss-how-long-must-insurer-renew-california https://bestinsuranceresearch.com/questions/total-loss-how-long-must-insurer-renew-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question At least two annual renewal periods, and no less than 24 months from the date of loss. Where a total loss to the primary insured residence results from a disaster and was not caused by the policyholder's negligence, section 675.1 requires the insurer to offer renewal on that basis. During the rebuild the insurer must also adjust limits or attach endorsements reflecting changes in exposure, and may (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/landlord-insurance-does-not-cover-my-things-california https://bestinsuranceresearch.com/questions/landlord-insurance-does-not-cover-my-things-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question No. The California regulator states directly that the landlord does not provide insurance for the tenant's personal property, and a rental dwelling policy says the same from the other side, that tenant-owned personal property is not covered by it. A renters policy carries personal property, loss of use, personal liability and medical payments to others, and the liability half is the part tenants l (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/life-policy-lapsed-missed-payment-california https://bestinsuranceresearch.com/questions/life-policy-lapsed-missed-payment-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Possibly not, and the question turns on notice rather than on payment. In California an individual life policy must carry a grace period of not less than 60 days from the premium due date, and that period does not run concurrently with the coverage already paid for. A notice of pending lapse and termination is not effective unless mailed at least 30 days before the termination date, to the policy (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/insurance/renters-california https://bestinsuranceresearch.com/insurance/renters-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Coverage The policy a tenant buys for the half of the building the landlord does not insure. The regulator states it plainly: the landlord does not provide insurance for the tenant's personal property. A renters policy carries personal property, loss of use, personal liability and medical payments to others, which is the same set a condominium unit owners policy carries without the part that answers the st (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/insurance/scheduled-personal-property-california https://bestinsuranceresearch.com/insurance/scheduled-personal-property-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Coverage Cover for individually listed items that an ordinary contents limit will not fully answer. The reason it exists is a feature of homeowners policies rather than of the items: coverage on certain property especially susceptible to loss, including jewelry, antiques, furs, collectibles, fine arts, firearms, silverware and money, is limited. The forms used instead are floaters, and which of them may be (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/schedule-valuables-or-separate-floater https://bestinsuranceresearch.com/questions/schedule-valuables-or-separate-floater#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Both routes exist and the question that separates them is valuation at a loss, not limit. California's marine article enumerates the floater types that may be written as marine or inland marine insurance, including a fine arts item covering objects of art such as pictures, statuary, bronzes and antiques, and rare manuscripts and books. Ask each route what it pays when the item is destroyed, becaus (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/insurance/surety-bonds https://bestinsuranceresearch.com/insurance/surety-bonds#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Coverage A promise to be liable for the debt, default or failure of another. A surety bond is a three-party contract in which the surety guarantees the performance of the principal to a third party, the obligee. California regulates it as insurance, defining surety insurance to include guaranteeing the performance of contracts and executing bonds and undertakings required by law, but it does not behave lik (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/insurance/title-insurance-california https://bestinsuranceresearch.com/insurance/title-insurance-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Coverage The one line here that does not answer future events. California defines title insurance as insuring, guaranteeing or indemnifying owners of property or holders of liens against loss suffered by reason of liens or encumbrances on or defects in the title, invalidity or unenforceability of liens, or incorrectness of searches relating to the title. Every matter in that list is a condition of the titl (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/florida-minimum-auto-insurance-and-after-dui https://bestinsuranceresearch.com/questions/florida-minimum-auto-insurance-and-after-dui#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Every owner or registrant of a vehicle required to be registered and licensed in Florida must maintain the required security. Financial responsibility is defined as $10,000 for bodily injury to one person, $20,000 for two or more in one crash, and $10,000 for property damage, and section 324.022 sets $10,000 for property damage or $30,000 combined for one crash. After a DUI conviction the figures (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/commercial-auto-covered-auto-symbols https://bestinsuranceresearch.com/questions/commercial-auto-covered-auto-symbols#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question They are covered auto designation symbols, and they decide what the policy actually insures for each coverage. The Business Auto Coverage Form states that Item Two of the Declarations shows the autos that are covered autos for each coverage, and that the symbols entered next to a coverage on the Declarations do that work. Symbol 1 is Any Auto; symbol 7 is only the autos specifically described in t (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/what-fair-plan-does-not-cover-california https://bestinsuranceresearch.com/questions/what-fair-plan-does-not-cover-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question A great deal that an ordinary homeowners policy includes. The regulator describes the current residential offering as a limited fire policy and directs policyholders who want water damage, liability, theft, additional living expenses and other common coverages to a Difference in Conditions policy. The Plan's own published dwelling form excludes earth movement and water damage, and the Plan does no (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/florida-pip-what-it-pays https://bestinsuranceresearch.com/questions/florida-pip-what-it-pays#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Ten thousand dollars, and often only a quarter of that. Florida's required personal injury protection benefit is $10,000 in medical and disability benefits and $5,000 in death benefits resulting from bodily injury. Two conditions cut into it: medical benefits apply only if the injured individual receives initial services and care within 14 days after the accident, and reimbursement is limited to $ (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/workers-comp-audit-bill-after-policy-ended https://bestinsuranceresearch.com/questions/workers-comp-audit-bill-after-policy-ended#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Because the amount was never final while the policy was running. The regulator states that the final premium of a workers compensation policy cannot be calculated until the policy term is over and the employer's payroll records have been audited. What is charged during the term is built on estimated payroll, so the audit reconciles the estimate against what the payroll actually was. (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/why-jewelry-claim-paid-so-little https://bestinsuranceresearch.com/questions/why-jewelry-claim-paid-so-little#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Question Because the special limit is not extra coverage, it is a cap inside the contents limit. The regulator states that the limited coverage amounts for specific types of personal property are not separate limits in addition to the contents limit; they are included in the overall contents limit and represent the maximum paid out for that specific type of property. The categories affected include jewelry (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/insurance/wildfire-california https://bestinsuranceresearch.com/insurance/wildfire-california#reviewed-2026-09-06 Sun, 06 Sep 2026 12:00:00 GMT BestInsurance Research Coverage Wildfire is not a policy you buy. It is a peril the residential property form already covers, and the questions that actually arise are about availability rather than coverage: whether the policy will be renewed, what notice is owed before it is not, what protection follows a declared emergency, and what the insurer of last resort does and does not include. California answers all four in statute a (Reviewed 2026-09-06. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/sued-personally-for-hoa-common-area-california https://bestinsuranceresearch.com/questions/sued-personally-for-hoa-common-area-california#reviewed-2026-09-05 Sat, 05 Sep 2026 12:00:00 GMT BestInsurance Research Question Only if the association is carrying enough general liability insurance. California directs a tort claim brought solely by virtue of your tenancy-in-common interest in the common area to the association rather than to you, but only where the association maintains general liability coverage of at least $2,000,000 for a development of 100 or fewer separate interests, or at least $3,000,000 for one wi (Reviewed 2026-09-05. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/insurer-choose-repair-shop-california https://bestinsuranceresearch.com/questions/insurer-choose-repair-shop-california#reviewed-2026-09-05 Sat, 05 Sep 2026 12:00:00 GMT BestInsurance Research Question No. California prohibits an insurer from requiring that an automobile be repaired at a specific automotive repair dealer. It may not even suggest or recommend one unless you expressly asked for a referral or were told in writing of your right to select the shop. If you use your own shop, the insurer may not limit or discount reasonable repair costs based on what its own shop would have charged. (Reviewed 2026-09-05. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/insurance/community-association-california https://bestinsuranceresearch.com/insurance/community-association-california#reviewed-2026-09-05 Sat, 05 Sep 2026 12:00:00 GMT BestInsurance Research Coverage The insurance program a California homeowners association buys for itself: property on the common area, general liability, crime and fidelity, and directors and officers cover for the volunteers who run it. Two of those are not simply prudent purchases. The Davis-Stirling Act makes crime or fidelity coverage a duty on the association, and it conditions the liability protection of both the director (Reviewed 2026-09-05. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california https://bestinsuranceresearch.com/questions/surplus-lines-guarantee-fund-california#reviewed-2026-09-05 Sat, 05 Sep 2026 12:00:00 GMT BestInsurance Research Question No. California requires the surplus line broker and the nonadmitted insurer to tell you in writing, in boldface 16-point type on a freestanding document you sign, that the insurer does not participate in any of the insurance guarantee funds created by California law and that those funds will not pay your claims or protect your assets if the insurer becomes insolvent. The same notice states the ins (Reviewed 2026-09-05. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/hoa-must-notify-members-coverage-cut-california https://bestinsuranceresearch.com/questions/hoa-must-notify-members-coverage-cut-california#reviewed-2026-09-05 Sat, 05 Sep 2026 12:00:00 GMT BestInsurance Research Question Yes, and the duty is broader than cancellation. The association must give individual notice to all members as soon as reasonably practicable if a policy described in the annual budget report has lapsed or been cancelled and is not immediately renewed, restored or replaced, and equally if there is a significant change such as a reduction in coverage or limits or an increase in the deductible. On a (Reviewed 2026-09-05. General information only, not advice and not a coverage determination.) https://bestinsuranceresearch.com/questions/hoa-master-policy-covers-my-unit-california https://bestinsuranceresearch.com/questions/hoa-master-policy-covers-my-unit-california#reviewed-2026-09-05 Sat, 05 Sep 2026 12:00:00 GMT BestInsurance Research Question Usually not, and California requires your association to tell you so in writing every year. The annual budget report must carry a statement in at least 10-point boldface saying the association's policies may not cover your property, including personal property or real property improvements to or around your dwelling, or personal injuries or other losses that occur within or around your dwelling. I (Reviewed 2026-09-05. General information only, not advice and not a coverage determination.)